re: Ford Credit

Just bought a 2017 f-150 last month. My credit was an 838. I financed with Ford to get every single rebate which ended up at like 13k off. My interest rate is 5.19 for 72 months. However, i'm in sales and have paid off my last 3 vehicles within 18 months. I just finance longer in case there is a lean month and i need to make a low payment. I think it was 4.79 for 60 months or less. There was no 0% financing on the F-150's. If you choose to go another financing route, they take away a couple grand in incentives. I went to refinance with my credit union but the rate was only going to change by like 1.25%. Rates have gone up over the last several months. I bought my wife's 2016 Pilot last year and got .9% financing.