Current Rates for '21

[Caramel]

I'm trying to find current rates for Ford Options and Finance from Ford Credit for the '21 Mach-Es. The only rates I can find on the website are for the 22 model years, but I'm in talks with a dealer to buy a 21. The rates they're quoting seem really high to me.

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[Xlch59]

2.4% it's 1.4% for the GTs

 

[Rt1AWD]

does it depend on credit score?

 

[Caramel]

Credit score is really great so I would expect to qualify for the best rates.

 

[timbop]

I got 2.25% for 4 years back in february

Maybe @hybrid2bev can weigh in, but I believe that is the rate

 

[Rt1AWD]

Credit score is really great so I would expect to qualify for the best rates.

Like 750 out of 850?

 

[Caramel]

Like 750 out of 850?

Like 820 out of 850.

 

[hybrid2bev]

I'm trying to find current rates for Ford Options and Finance from Ford Credit for the '21 Mach-Es. The only rates I can find on the website are for the 22 model years, but I'm in talks with a dealer to buy a 21. The rates they're quoting seem really high to me.

As of December 6th, the best rates for Ford Options and also normal financing for 2021 non-GTs is 2.49%. (EDIT: for APR financing terms 36-72 months is all the same rate, Options is only offered for 36 or 48 months.)

Credit score is not the only factor when scoring, but with a higher FICO you are more likely to score Tier 0/1 to get the best rates.

@timbop, thanks

 

[Plutoman15]

Depends on length if loan. This week for the GT it was 1.9 for 3 years and 2.9 for 4 years.

 

[hybrid2bev]

Depends on length if loan. This week for the GT it was 1.9 for 3 years and 2.9 for 4 years.

That's only for 2021 GTs. All other 2021 MME trims the current APR financing best rate is 2.49% for terms of 36-72 months.

(Ford Options is only 36 or 48 months. )

 

[Caramel]

“Credit score is not the only factor when scoring, but with a higher FICO you are more likely to score Tier 0/1 to get the best rates.”​

Interesting! Good to know! Thanks for the answer.

It’s a GT and with our credit scores I was surprised to be getting rates around 5% for finance and 3.55% for options. I’ll speak with the dealer when they open - it’s in Arizona so won’t be for a few hours.

The GT is already at the top of our budget so I’m really hoping for better rates. I’ll see what my bank says too.

Haven’t had coffee yet so excuse typos lol

 

[hybrid2bev]

“Credit score is not the only factor when scoring, but with a higher FICO you are more likely to score Tier 0/1 to get the best rates.”​

Interesting! Good to know! Thanks for the answer.

It’s a GT and with our credit scores I was surprised to be getting rates around 5% for finance and 3.55% for options. I’ll speak with the dealer when they open - it’s in Arizona so won’t be for a few hours.

The GT is already at the top of our budget so I’m really hoping for better rates. I’ll see what my bank says too.

Haven’t had coffee yet so excuse typos lol

For a 2021 GT. The other poster was correct.

2021 MME GT APR best rates program #21282: 1.9%x36, 2.9%x48, 3.9%x60, 5.9%x72. Ford Options best rate program #21286 is 1.4% for both 36 or 48 months.

 

[Caramel]

@hybrid2bev I bought the car! Grabber blue GT! I used the options program and aside from the first quote having a higher rate, the process was painless and no shenanigans at all. Thanks for your help! I’ll post pics when I pick it up on Monday.

 

[Chicago-E]

@hybrid2bev I bought the car! Grabber blue GT! I used the options program and aside from the first quote having a higher rate, the process was painless and no shenanigans at all. Thanks for your help! I’ll post pics when I pick it up on Monday.

get the 1.4% rate?

 

[Caramel]

get the 1.4% rate?

Yes

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