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Ford Financing

Moya7

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when going thru Ford credit website, and chatting w agent, they tell me you can not negotiote directly with them, it has to go thru dealer.. dealer had nothing promotional or competitive at all. so i guess, can look at other banks....... im not a credit union member so dont have that option
Theyre very easy to join. I joined PenFed and got 1.99 for 60months
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Oneand0

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Theyre very easy to join. I joined PenFed and got 1.99 for 60months
I believe I’m still locked in for another week for 1.79 with Penfed for 36mos.
 

soonerfreak

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Theyre very easy to join. I joined PenFed and got 1.99 for 60months
Is the application process quick? Mine is in production and I would not want to start the process and not be ready when it shows up at the store.
 

VoltageDrop

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Bank of America at 2.36% for 72 months beat my local credit union by over a point. Shop around!
 

NotApplicable

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Is the application process quick? Mine is in production and I would not want to start the process and not be ready when it shows up at the store.
Most loans take very little time to get approved for these days. Production to delivery can take weeks, loan applications and approvals take minutes/hours.
 

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soonerfreak

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Most loans take very little time to get approved for these days. Production to delivery can take weeks, loan applications and approvals take minutes/hours.
I meant joining PenFed, I have never joined a credit union before and didn't know if it was instant or same day like a loan or credit card or if they actually reviewed it.
 

Moya7

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Is the application process quick? Mine is in production and I would not want to start the process and not be ready when it shows up at the store.
Three to four business days
 

Moya7

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I meant joining PenFed, I have never joined a credit union before and didn't know if it was instant or same day like a loan or credit card or if they actually reviewed it.
Twenty four to 48 hours
 

Bronc-itis

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Pen fed and navy fed 1.99 60 mo
That deal through pen fed is only if you buy through their purchase program. Which won’t cover the bronco orders. I checked.
 

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Headsong

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That deal through pen fed is only if you buy through their purchase program. Which won’t cover the bronco orders. I checked.
Even lower rate for that. 1.99 is straight up new car.
 

Bronc-itis

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Even lower rate for that. 1.99 is straight up new car.
I need to go read the fine print again. Their loan calculator has lived on my laptop for a few weeks now. I opened an account just in case
 

Moya7

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That deal through pen fed is only if you buy through their purchase program. Which won’t cover the bronco orders. I checked.
I got approved for 60 months at 1.99 with Pen Fed and I did not go through their car buying program.
 

FatThunder84

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This is my first brand new car and obviously the only car I've ever ordered and will buy without lots of haggling and cost comparing...

So I need some advice from you all that have dealt with this a bit more.

When should I start working with my bank or a lender for financing/loan application? My order is being built week of 8/9, delivery sometime in mid Sept. Ive been looking around, but wasn't sure when I should/can start locking in financing.

Any advice is appreciated.
 

bchapa2002

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Yes, if you’re a member or eligible to be a member (military/veteran etc).
You only need to be a member for the insurance. USAA Banking is open to the general public. I worked at the bank for 5 years.
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