I spec’ed the truck online at ford.com and they sent it to my nearest dealer. I put a $500 deposit down and that was it. No contracts or paperwork with the dealer or ford directly.
Yikes, there must have been some legal info in the correspondence? Most likely not locking in the financing or anything really, probably a blanket "may not be exactly as described" disclaimer.
Sorry to break it to you, but Ford financing incentives don’t persist unless you apply for financing. You receive all pricing incentives available at the time of your order - entered in system, deposit taken - and any others that come along the way up to and including time of delivery. But not financing terms. Ford credit will approve and lock your terms for up to 90 days. You would have needed to apply while the 3.9% deal was active.
I bought my Lightning in July. I had ordered a Lariat with standard battery in March, but when prices dropped in July I canceled my order and bought one at a dealer all the same in my order, but with extended battery for no more than I was going to pay for the standard battery. The dealer tried to give me the 7%, but I had done my research and told them I wanted Ford Credit and that I knew what the rates were. They kept playing with me slightly lowing from 7%, but I kept refusing. I asked them what their Buy Rate was for the loan they were trying to give me, which shocked them so they would not tell me, but asked what rate did I have and told them 3.9 for 60. They then finally came back with the 3.9. I have had the thought I could have said just about any rate, but over and done.
