Yep, and then the dealer adds % points on for themselves. It sucks that you can't work with Ford Credit DIRECTLY, instead you have to play stupid games. I will not use Ford Credit because of this.
Yes, if you can use your own bank or credit union you'll almost always do better - unless there's a great promotional rate through Ford. Unfortunately, there are no promotional rates on the Mustang right now, so you're probably best off to arrange your own financing - the dealer will just try to make money on this part of the deal too...
Yep, and then the dealer adds % points on for themselves. It sucks that you can't work with Ford Credit DIRECTLY, instead you have to play stupid games. I will not use Ford Credit because of this.
If your dealer is doing that it is time to find a new dealer. My saleman will search Ford Credit and local banks for the best rate. He usually does as good if not better than my credit union.