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Old 12-03-2012, 12:26 PM   #1
Shorty Long
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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?


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Old 12-03-2012, 12:29 PM   #2
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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.
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Old 12-03-2012, 01:03 PM   #3
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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).
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Old 12-03-2012, 01:11 PM   #4
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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.
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Old 12-03-2012, 01:20 PM   #5
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And you'll pay a fee for it as well. As long as you don't NEED to do it, I'd pass.
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Old 12-03-2012, 01:22 PM   #6
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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
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Old 12-03-2012, 01:29 PM   #7
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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.
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Old 12-03-2012, 01:30 PM   #8
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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.
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Old 12-03-2012, 07:06 PM   #9
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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.
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Old 12-03-2012, 10:56 PM   #10
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Not a bad deal if you got 0% APR.
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