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Old 06-10-2013, 03:46 PM   #1
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thoughts on the current cash back deal/rebate for 2013 focus

Ford is offering the following on the new 2013 focus:

Manufacturer Specials
$2,250 Cash Back
(Expires 7/8/13)

-- OR --

Special Financing
0% APR for 60 months.
(Expires 7/8/13)

What are your thoughts on the cash back offer? I planning on buying a Titanium Hatch so this deal looks pretty good to me.


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Old 06-10-2013, 04:03 PM   #2
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Best thing to do is do the math, and see which saves your more money monthly, and in the long run.

on a $24,000 loan (titanium MSRP, according to the build a ford thing), according to a loan calculator, a 60 month loan with 5% interest will cost you $27446, which means you pay $3,446 in interest, if my math is correct. I think typically the 0% apr is the better deal, if you can qualify for it.

but take the time to do the math for what works for you.
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Old 06-10-2013, 04:08 PM   #3
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Yeah if your math is correct taking the 0% APR is a much better deal. I haven't really looked into rates, but if I could finance through my bank with a relatively low rate I would go for the cash back. Contingent on the fact that it would be cheaper in the long run.
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Old 06-10-2013, 10:49 PM   #4
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Wait. At end of year, there will be better for tax avoidance purposes, as long as you can find what you want on the lot, or make a convincing argument to have the dealer find one in stock elsewhere. ("No 5 speeds on the lot, what kind of place is this? Find me one, I want the same offer on what you can find that I approve of.") And they did. Founded a LOADED SE 5spd. Only thing missing is the black pack(had the wheels) and sunroof.

End of Nov last year, I got 4k off my car AND 1.9% financing, plus they went 1500 over KBB on my trade.
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Old 06-10-2013, 11:03 PM   #5
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I can tell you the main problem is it excludes the ST which is BS IMO
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Old 06-11-2013, 01:00 AM   #6
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I would definitely take the 0% - that's a free 5 year loan that you could make more than $2250 on depending on how much of it you sock away into an investment account.
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Old 06-11-2013, 02:17 PM   #7
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I just talked to a dealer via email and they said it would cost $1000 to have a car shipped/driven to their dealership. Did they charge you anything for having to find one from another dealership? or was it from a dealership that was relatively close to where they could just go pick it up?
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Old 06-14-2013, 11:34 AM   #8
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Quote:
Originally Posted by Chambo View Post
I just talked to a dealer via email and they said it would cost $1000 to have a car shipped/driven to their dealership. Did they charge you anything for having to find one from another dealership? or was it from a dealership that was relatively close to where they could just go pick it up?
Some dealers are like that. that price is WAY too high unless they can provide the invoice and it is SHIPPED, not driven. That is the only way I would pay extra for it, is if they put 0 miles on it.

I paid NOTHING for them to drive my car from Atlanta, Georgia to Meridian Ms. and all they did was swap models. one from my dealer's lot for the one I wanted that was sitting on a lot in Atlanta.

Then again I also got my all weather floor mats for free and a few other items too. My dealer was good to me.
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Old 06-14-2013, 12:08 PM   #9
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Cars.com has a calculator to compare the cost of Rebate Vs. Low Rate.

But the biggest consideration is how fast you plan on paying down the loan, if you plan on paying it down before the loan is over, then 0% financing isn't helpful.
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