IF you finance through the dealer, they will want to make some money off financing.
They can add a one percent plus easy to your loan to make a kickback from the financial company they use.
I do not know if Ford allows this with Ford financing.. but certainly any outside financing arranged via the dealer is going to have this as part of the process.
At the lower rates it is not such a big deal anyway. Only when you get into the 8% and up it starts to hurt...
If you are paying 18% it really hurts for big money..