This is an old post but dead on with what nard444 said.

I'm in the puchasing process waiting on an order and was offered 0% financing or 4.9% with incentives, and $1000 Ford credit. So I'm taking the incentives because payments were a bit cheaper. Not to mention I plan on refinancing with my bank at 1.9%. Don't fall for 0% financing without doing the calculations first!