Financing a Raptor

[SeXualAVENGER]

Thanks Doc...yeah I figured if it made me feel good it must be addictive...

I got some steroids to, a shot and some pills...I already feel stronger...after they gave me the steroid shot I went from puking to washing, waxing, polishing, waxing again the Raptor and my wife's car...

Hope you got more than that because neither of those will treat your sinus infection. Hydrocodone is a narcotic pain medicine and systemic steroids have a limited role for sinus infection. Inhaled steroids (nasal), a mucolytic (mucinex), decongestant (sudafed), and an antibiotic may be a better choice. I know you didn't ask but I thought I'd give my 2 cents. Hope that helps.

 

[Fred]

Hope you got more than that because neither of those will treat your sinus infection. Hydrocodone is a narcotic pain medicine and systemic steroids have a limited role for sinus infection. Inhaled steroids (nasal), a mucolytic (mucinex), decongestant (sudafed), and an antibiotic may be a better choice. I know you didn't ask but I thought I'd give my 2 cents. Hope that helps.

No no...thank you... I have an **** antibiotic...along with an inhaler....not to get to gross...but when the Doc took X-rays of my face...he said he could see the layering of "shit" in my sinus, that what he thought was given me the headaches causing me to get puke sick...

That being said...I am not going to take the Hydros...I will try some decongestant...

Thanks again for chiming in...

Fred

 

[CLM]

We used to be really bad about financing vehicles for 100% + of msrp and trading every two years. Wife was getting something new on odd years and myself on even years. Finally learned our lesson on that about 5 years ago. Sold off her Expy and gave her my truck while I drove a $900 truck when needed (we commute together). Then bought her a 2012 VW Bug last January because it was her ultimate car and gave us something with 30mpg to commute in.

This allowed me to sit and wait, finally decided to pull the trigger on the raptor. Sold the truck (bought new 5 years ago) for a couple thousand more than they offered for trade. Ordered the Raptor so I could save $5k over buying off the lot. Have $8k to put down on the truck, plus will pay tt&l out of pocket. I don't consider this instance gratification, I have wanted a Raptor since they came out but couldn't justify it since we would need to commute in it. Plus in order to pull all of this together at the price and payment I wanted, it means waiting for it to be built.

So I end up financing $42k on a truck with $55k msrp. The truck is strictly a toy and extra vehicle for me and probably won't get 3-5k miles a year put on it. But plan to keep it 20 years or more. I am actually getting rid of three trucks and replacing with one. One I sold for the down payment, the other two are being sold for the Mod money and to clear space.

But, we have no kids and won't ever, make good money and love cars. This gets us down to 4 cars and each has a purpose. Needless to say, I have done my part to support this economy, both in purchasing and in financing.

 

[Raptor911]

My credit union gave me 2.49% and I asked Van Bortel (dealership) to beat it and they did. They offered me 1.99% assuming I have good credit. They pulled my credit score and it came in as 849.

Don’t have the truck yet but I'm plan on putting 25k to 30k down and going to finance through my CU @2.49%. How are you guys getting such a low rate from ford? I mean my credit score is close to 800 and the dealer told me ford would be near 4-5%

 

[HoustonRider]

look.

shop rates (real rates, not 0.00% for 99 mos). Usually Ford Credit has crap rates compared to credit unions and most banks. They run a report, and banks throw out rates.

Last few deals I financed, I went to the dealer with "I want $x financed at x.xx% for XX months" don't come back with anything outside of that. Some banks pass, but the dealer can make it work, if you have the credit to get it.

I don't think you have to have a 900 credit score, but right now, banks are lending and 650-750 score would get you a good rate. If you ARE approved at some rates, the dealer finance guy can ALWAYS get a better APR. Last one I did said "oh, how about 3.9? " I said, "no thanks, gotta run". 1 minute later I was at 1.9%.

dont take the finance deal they first offer you. Even with a 850 score, they will throw out a 9.9% APR and see if you're good with that, seriously.

---------- Post added at 03:28 PM ---------- Previous post was at 03:20 PM ----------

I had bought a 2010 FX4 that way. With ford credit and the available rebates, I received an extra 5500 off my price. Then the next day walked in and refinanced with navy fed. At the time my score was 726 and ford would only give me 8%. Navy fed turned around and gave me 3.5. I plan on using either usaa or navy fed for my raptor purchase.


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good idea. Take the Ford Credit rebates and refi with a credit union. Ford is weird with their credit. They always come back with the highest rate. Ive bought new fords for decades and only once has Ford had a good rate. they need to ease up a bit.

 

[POBrien9]

Cash or Finance?

Just wanted to know, whether most of FRF members pay cash or finance. And What is your % Rate with your Down Payment, and lastly your monthly payment. Would really help Thanks!

 

[Rookie]

Try searching that. There was another thread with the exact answers to your question. I'll look for it...

 

[Seeyalater]

PenFed 1.5%

 

[onesickpuppy]

Awhhh, heck wip out the credit card....

 

[Squatting Dog]

Cash

-Greg (aka squatting dog)