6.9%, I had a choice when I first purchased the truck, either a good APR or nearly $10,000.00 in discounts and rebates. The dealer told me to take advantage of the incentives, then just refi later, knowing that my credit would allow me to get a good APR later. In the end I was able to get the incentives and good APR, worked out great for me.

 

dang, my apr is 7.74% I should look into this, I would love to save $40 each month, it will go towards gas

 

I just bought a new F150 at the end of March and there was an extra $1,000 rebate available if I financed through Ford Motor Credit. I originally intended to buy the truck outright and told the sales manager my plan. He said I should finance $7,500 (which was the minimum needed to qualify for the rebate) and then I would have to wait and make 3 normal monthly payments, after which I could pay off the loan on the 4th payment. If I paid it off sooner I would have to pay the rebate back.