Interesting offer from Ford Credit - Deferred Payment - Ford Focus Forum, Ford Focus ST Forum
Ford Focus Forum
HomeContact UsAbout UsGalleryDiscussion ForumsMarketplace


Go Back   Ford Focus Forum, Ford Focus ST Forum > Ford Focus Third Generation > MK3 Focus

MK3 Focus The place to chat about general questions, window tinting, exterior body, interior and lighting upgrades for the third generation 2012-Current Focus.

Search This Forum | Image Search | Advanced Search    
Ford Focus Tire & Wheels FocusFanatics Merchandise

Reply
 
Thread Tools Display Modes
Old 12-03-2012, 01:26 PM   #1
Shorty Long
Focus Enthusiast
 
Join Date: Sep 2009
Fan#: 68979
Location: The Hills of, WV
What I Drive: '12 Focus Titanium, Kona Blue

Posts: 306
Points 1,968, Level 26
Points: 1,968, Level: 26 Points: 1,968, Level: 26 Points: 1,968, Level: 26
Level Up 68% Completed
Level up: 68% Level up: 68% Level up: 68%
Forum Activity 1%
Activity: 1% Activity: 1% Activity: 1%
FF Reputation: 2 Shorty Long Good Standing Member
Buy-Sell-Trade Rating: (0)
Interesting offer from Ford Credit - Deferred Payment

In today's mail I received an offer from Ford Credit to defer my Dec. car payment one month.

Anyone else receive this offer recently or in the past?


Shorty Long is online now  
    Reply With Quote Quick reply to this message
Old 12-03-2012, 01:29 PM   #2
2wheeladict
Focus Fanatic
 
2wheeladict's Avatar
 
Join Date: Sep 2009
Fan#: 69029
Location: winter haven, fl, FL
What I Drive: 2005 focus zx4, 2003 cbr f4i

Posts: 1,612
FF Reputation: 8 2wheeladict Good Standing Member
Buy-Sell-Trade Rating: (2)
most any time a credit line is defered, it still acrues interest. if youre not worried about how long you pay on it and would like to defer it, at least pay what the interest is that month to avoid paying more in the long run.
__________________
2005 ZX4: CAI, FRPP, eibach sportlines, hids
1983 kawasaki KZ550 cafe project
4 wheels move the body, 2 wheels move the SOUL
2wheeladict is offline  
    Reply With Quote Quick reply to this message
Old 12-03-2012, 02:03 PM   #3
copernicium112
Focus Fanatic
 
Join Date: Jul 2011
Fan#: 87742
Location: Rochester, NY
What I Drive: 2012 Sonic Blue Ti Sedan

Posts: 1,868
Points 1,491, Level 21
Points: 1,491, Level: 21 Points: 1,491, Level: 21 Points: 1,491, Level: 21
Level Up 91% Completed
Level up: 91% Level up: 91% Level up: 91%
Forum Activity 0%
Activity: 0% Activity: 0% Activity: 0%
FF Reputation: 4 copernicium112 Good Standing Member
Buy-Sell-Trade Rating: (0)
Not from Ford but my credit union offers me this evey year when I have any type of loan with them. A lot of places offer it in December as a "service" to allow folks to have more money for X-mas shopping (and like 2wheeladict said, it will still accrue interest).
__________________
.
.......here's a lockpick. It might come in handy if you, the master of unlocking, take it with you.
copernicium112 is offline  
    Reply With Quote Quick reply to this message
Old 12-03-2012, 02:11 PM   #4
glocker
Focus Enthusiast
 
glocker's Avatar
 
Join Date: Aug 2012
Fan#: 102954
Location: Las Vegas, 89138, NV
What I Drive: '12 Sonic Blue SE

Posts: 239
FF Reputation: 1 glocker Good Standing Member
Buy-Sell-Trade Rating: (0)
My brother did this once through ford credit. Not only do you still pay interest, but he had to pay it on the last month. So his last payment had that one tacked on making it double what a normal payment would be.
__________________
2012 Focus SE | Sonic Blue | ╠╬╝ | SR# 070
2002 Focus ZTS | Silver Metallic | SOLD!
glocker is offline  
    Reply With Quote Quick reply to this message
Old 12-03-2012, 02:20 PM   #5
RazorbackMustang
Focus Enthusiast
 
RazorbackMustang's Avatar
 
Join Date: Aug 2012
Fan#: 102875
Location: Springdale, AR
What I Drive: 2003 SVT Focus, 2011 Mustang GT

Posts: 110
FF Reputation: 1 RazorbackMustang Good Standing Member
Buy-Sell-Trade Rating: (0)
And you'll pay a fee for it as well. As long as you don't NEED to do it, I'd pass.
__________________
Lucas
2011 Mustang GT
2013 Focus ST
RazorbackMustang is offline  
    Reply With Quote Quick reply to this message
Old 12-03-2012, 02:22 PM   #6
Shorty Long
Focus Enthusiast
 
Join Date: Sep 2009
Fan#: 68979
Location: The Hills of, WV
What I Drive: '12 Focus Titanium, Kona Blue

Posts: 306
Points 1,968, Level 26
Points: 1,968, Level: 26 Points: 1,968, Level: 26 Points: 1,968, Level: 26
Level Up 68% Completed
Level up: 68% Level up: 68% Level up: 68%
Forum Activity 1%
Activity: 1% Activity: 1% Activity: 1%
FF Reputation: 2 Shorty Long Good Standing Member
Buy-Sell-Trade Rating: (0)
yeah...i'm definitely passing...i was more interested in finding out how common this was...it almost seemed to me like some sort of scheme
Shorty Long is online now  
    Reply With Quote Quick reply to this message
Old 12-03-2012, 02:29 PM   #7
copernicium112
Focus Fanatic
 
Join Date: Jul 2011
Fan#: 87742
Location: Rochester, NY
What I Drive: 2012 Sonic Blue Ti Sedan

Posts: 1,868
Points 1,491, Level 21
Points: 1,491, Level: 21 Points: 1,491, Level: 21 Points: 1,491, Level: 21
Level Up 91% Completed
Level up: 91% Level up: 91% Level up: 91%
Forum Activity 0%
Activity: 0% Activity: 0% Activity: 0%
FF Reputation: 4 copernicium112 Good Standing Member
Buy-Sell-Trade Rating: (0)
Quote:
Originally Posted by Shorty Long View Post
yeah...i'm definitely passing...i was more interested in finding out how common this was...it almost seemed to me like some sort of scheme
Well, regardless of who is offering it, no credit company is out there to do things for our benefit, only their own. Just like when those furniture (or whatever) places offer no-interest financing for 48 months or how ever long. They gloss over the part that in the fine print is the fact that if you don't pay it off in that amount of time they slam on compounded interest for the entire purchase price that started accruing from the day the purchase was made.
__________________
.
.......here's a lockpick. It might come in handy if you, the master of unlocking, take it with you.
copernicium112 is offline  
    Reply With Quote Quick reply to this message
Old 12-03-2012, 02:30 PM   #8
redwake
Focus Enthusiast
 
redwake's Avatar
 
Join Date: Jun 2012
Fan#: 100718
Location: Visalia, CA
What I Drive: 00 Black ZTS

Posts: 342
Points 947, Level 16
Points: 947, Level: 16 Points: 947, Level: 16 Points: 947, Level: 16
Level Up 47% Completed
Level up: 47% Level up: 47% Level up: 47%
Forum Activity 1%
Activity: 1% Activity: 1% Activity: 1%
FF Reputation: 3 redwake Good Standing Member
Buy-Sell-Trade Rating: (0)
my credit union did it for me one year... the interest payment wasn't really of concern for me; and i'm yet to keep a car for an entire loan term so that final payment wasn't felt.

not having a car payment that particular month that particular year was very helpful. given the opertunity this month i wouldn't take it i'm in a different place financially now.
__________________
Quote:
MK1 ZTS w/Lentec ATX - More economical than a Prius
2" drop - projectors - boost by vortech - tune by fswerks

My Car: http://tinyurl.com/8mpden8
Sr# 256.
redwake is offline  
    Reply With Quote Quick reply to this message
Old 12-03-2012, 08:06 PM   #9
lookin4trouble
Focus Jr. Enthusiast
 
Join Date: Jul 2012
Fan#: 101921
Location: Ambler, PA
What I Drive: 2012 Tuxedo Black Ti Hatch

Posts: 31
FF Reputation: 2 lookin4trouble Good Standing Member
Buy-Sell-Trade Rating: (0)
I got one of these from Ford and another from Nissan for my wife's truck. Nissan said it was Hurricane Sandy related. What a joke. Unless your Net Worth is negative, don't take these credit companies up on these offers.
lookin4trouble is offline  
    Reply With Quote Quick reply to this message
Old 12-03-2012, 11:56 PM   #10
Just Tom
Focus Enthusiast
 
Join Date: Nov 2012
Fan#: 106663
Location: Sunny SoCal, CA
What I Drive: 2013 Focus Ti (5 Dr.)

Posts: 252
Points 1,206, Level 19
Points: 1,206, Level: 19 Points: 1,206, Level: 19 Points: 1,206, Level: 19
Level Up 6% Completed
Level up: 6% Level up: 6% Level up: 6%
Forum Activity 6%
Activity: 6% Activity: 6% Activity: 6%
FF Reputation: 3 Just Tom Good Standing Member
Buy-Sell-Trade Rating: (0)
Not a bad deal if you got 0% APR.
Just Tom is online now  
    Reply With Quote Quick reply to this message
Reply

Bookmarks & Social Networks

Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Ford Focus Forum, Ford Focus ST Forum forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



Thread Tools
Display Modes

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -5. The time now is 10:37 PM.


Copyright 2002-2014 FocusFanatics.com. All Rights Reserved : Privacy Policy : Advertise Information

Focus Fanatics Ford Focus Forum offers many fun ways for you to engage with other Ford Focus Owners from across the world. Whether it be about the aftermarket performance modifications, technical how-to's, European tuned suspension or awesome fuel economy similar to the Cadillac ATS-V, Ford Fusion and Acura TLX. You can find all Ford Focus and Focus ST related information here. Join our Ford Focus discussion forums and chat with local Focus enthusiasts in your area.