0% for 84 months Financing on 2019 Mustangs (not including GT350)

[Mustang5ohMan]

It's only $25 a year to join. Best $25 I ever spent.

https://mustang.org/about/benefits/

so the dealer can not charge you above $75 doc fee because you get the x plan pricing? What happens with financing? Also is there a way to see what the x plan pricing is like a spreadsheet or anything?

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[hossman]

Take the 0% for whatever term works for you and run with it. O% is no cost and gives you the most comfortable payment for the ups & downs in life and allows you to pay as much extra as you want when your bank account allows. Leverage other people’s money and not your own.

 

[FordBlueHeart]

Take the 0% for whatever term works for you and run with it. O% is no cost and gives you the most comfortable payment for the ups & downs in life and allows you to pay as much extra as you want when your bank account allows. Leverage other people’s money and not your own.

This right here!

 

[Mustang5ohMan]

Guess there 0% is the best offer because I’m only seeing 750 locally for a rebate unless there’s something hidden in rebates that I’m missing.

 

[Geosh]

so the dealer can not charge you above $75 doc fee because you get the x plan pricing? What happens with financing? Also is there a way to see what the x plan pricing is like a spreadsheet or anything?

There is a website (www.fordpartner.com) where you can check X-plan prices. You also get any factory rebates on top of that. You need a code to access the site with pricing though. Usually its a couple grand off MSRP - you can usually haggle to X-plan prices with most dealers. It does lock in cheaper doc fees though too like you mentioned.

Financing is all the same.

 

[AGM2018]

There is a website (www.fordpartner.com) where you can check X-plan prices. You also get any factory rebates on top of that. You need a code to access the site with pricing though. Usually its a couple grand off MSRP - you can usually haggle to X-plan prices with most dealers. It does lock in cheaper doc fees though too like you mentioned.

Financing is all the same.

Some dealers will allow purchasers to use their X-Plan pin code to negate the ridiculous dealer documentation fees and not use the X-Plan for purchase. This permits the buyer to negotiate a lower purchase price, which as you said most dealers are agreeable to, than the X-Plan AND forego an inflated dealer documentation fee. Not a bad investment for a minuscule $25.00 investment to become a member of Mustang Club of America, to qualify to use the X-Plan...if one doesn't have access to it already.

 

[Mustang5ohMan]

Some dealers will allow purchasers to use their X-Plan pin code to negate the ridiculous dealer documentation fees and not use the X-Plan for purchase. This permits the buyer to negotiate a lower purchase price, which as you said most dealers are agreeable to, than the X-Plan AND forego an inflated dealer documentation fee. Not a bad investment for a minuscule $25.00 investment to become a member of Mustang Club of America, to qualify to use the X-Plan...if one doesn't have access to it already.

Oh that coveted MC code? ;)

 

[AGM2018]

Oh that coveted MC code? ;)

True!

 

[rollChris]

It's a great offer, I also wanted to use it to buy 2019 Mustang, but unfortunately I wasn't qualified for credit financing. So, I plan to take a loan. I'm already looking at offers at https://credit-10.com/no/. My friends advised me to try one of these banks, because there are not such strict requirements for issuing a loan when you apply online. The average interest rate as I know is 10%. So, I hope that I will get a loan.

 

[shogun32]

The average interest rate as I know is 10%.

dude... anything over 5% is preposterous.

 

[Crowd Hunter]

Some dealers will allow purchasers to use their X-Plan pin code to negate the ridiculous dealer documentation fees and not use the X-Plan for purchase. This permits the buyer to negotiate a lower purchase price, which as you said most dealers are agreeable to, than the X-Plan AND forego an inflated dealer documentation fee. Not a bad investment for a minuscule $25.00 investment to become a member of Mustang Club of America, to qualify to use the X-Plan...if one doesn't have access to it already.

I used x-plan and got the 0% for 84 months, but instead of negotiating the price of the car, I negotiated the value of my trade. It's all the same in the end. I traded a truck and cut my payment in half. I can't remember the last time I had a sub-$400 monthly payment on a new car.

 

[17Magnetic5.0]

It's a great offer, I also wanted to use it to buy 2019 Mustang, but unfortunately I wasn't qualified for credit financing. So, I plan to take a loan. I'm already looking at offers at https://credit-10.com/no/. My friends advised me to try one of these banks, because there are not such strict requirements for issuing a loan when you apply online. The average interest rate as I know is 10%. So, I hope that I will get a loan.

woah you should work on your credit first so you can secure a better loan. 10% is extremely high. I know people with not so great credit getting 4 and 5%. On a 35000 loan for 84 months you’ll end up paying close to 50000 by the end of the term and you’ll more than likely always be upside down on the loan so you’ll be stuck with it until it’s paid off or you’ll lose money on any trades.

 

[Mustang5ohMan]

I used x-plan and got the 0% for 84 months, but instead of negotiating the price of the car, I negotiated the value of my trade. It's all the same in the end. I traded a truck and cut my payment in half. I can't remember the last time I had a sub-$400 monthly payment on a new car.

good payment... I negotiate both the price for the trade and the purchase and the interest rate.

woah you should work on your credit first so you can secure a better loan. 10% is extremely high. I know people with not so great credit getting 4 and 5%. On a 35000 loan for 84 months you’ll end up paying close to 50000 by the end of the term and you’ll more than likely always be upside down on the loan so you’ll be stuck with it until it’s paid off or you’ll lose money on any trades.

3.69 is what I got at 84 months but turned around and did a reFi for 2.49 for 72 months.
I think anything under 4 should be acceptable. Remember they tried to rob me on my challenger with a 5% guess they lost so much money on the car lol.

 

[vanquishvzla]

your credit rate is based on your credit... shitty credit, shitty apr... why? because you have a history of bad payments so you are high risk...

with my credit, i don't take anything over 2.9% but i close people every day at 20, 24.95 and even at 27%... but hey, they need/want a car, they have horrible credit, and the banks that are willing to take the risk, want to destroy your ass as much as they can because they know you are a possible contract default and they know you are not gonna pay your contract in full...

 

[Elp_jc]

Just a side comment, dealer literally forced me to take a Ford loan to give me the agreed price (I never finance anything), due to one of the rebates being for that purpose. With almost an even trade, they had to give me money back, since the minimum was 5 grand. I was going to pay it off immediately anyway, so didn't pay attention to details, but turns out they gave me a 12-month loan at 7.9%, and that's with a combined credit score of 812, no debt of any kind, never a late payment in my 58 years, and just 10% of the car's cost. And then a week or two later, AFTER I had paid the loan off, received a letter that Ford had 'rejected my offer', and I needed to renegotiate the interest rate. It can't hardly get any safer than that, and I get rejected for 5 grand at 7.9% for 1 year with a $50K car? WTF? So what do you need to qualify for the 0% offer? Your girlfriend's or daughter's a$$? Geez.

Oh, and almost 3 months later, and I haven't even received the freaking title. Will NEVER agree to do that crap again.

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