I just got 0% 66 months on a Fusion Hybrid, my scores are below. I put $1,500 into the deal but had $4,000 negative equity so was "upside down".
What you might want to do (which I did, recommended by Stephen Snyder) was to talk directly with the finance guy first. I specifically told him he wasn't authorized to pull. Told him about my scores, BK, and history (good over 20 years) with Ford Credit. He told me I should qualify, I believe I was considered Tier 2 (not Tier 1) but still got the 0%. If the dealership wants to play financing games, walk out.
I believe it will be possible. They just don't look at scores, they take into account your income also.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
