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0% Apr for 36 months sounds very tempting no?


Johnyguy
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I just saw this on the ford website 0% Apr for 36 months or $1500 retailer cash.

Now makes me think if I should pay full or finance,what you guys think ?

Given the choice, I would take the cash hands-down. Make sure the cash offer applies to what you're getting.

Sometimes it's only for vehicles off the lot, not special orders.

But that assumes you have the money to buy the van outright. If you have to finance the purchase then Ford's financing might be good. Don't know.

Even if you had the funds and choose to invest the money instead you'd have to clear (after taxes) about 1.9% for 3 years to break even.

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exactly ,even if you have the money why would you give them up front if they give you the option to pay it monthly of course its make sense if you get 0% APR for 3 years ,in the meanwhile if you need the money for other things you have it , the downside of this as far as a see it is you need to get full coverage for the insurance but the amount of that depends on your driving record and the state you live at .

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exactly ,even if you have the money why would you give them up front if they give you the option to pay it monthly of course its make sense if you get 0% APR for 3 years ,in the meanwhile if you need the money for other things you have it , the downside of this as far as a see it is you need to get full coverage for the insurance but the amount of that depends on your driving record and the state you live at .

Most often you can get cash back instead that far exceeds the savings of 0% for three years. So which deal is better -paying $21,500 cash or paying $25,000 with 0% interest over three years?

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Most often you can get cash back instead that far exceeds the savings of 0% for three years. So which deal is better -paying $21,500 cash or paying $25,000 with 0% interest over three years?

That's true unless you have negotiated a deal for the cash price when you ordered the vehicle and a cash back deal comes in the picture later.

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