Re: 0% Financing?[ Edited ]
09-27-2012 12:40 PM - edited 09-27-2012 12:40 PM
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.
Unfortunately, they did a hard pull already. We were told it wasn't but later that night we got an alert from our credit monitoring letting us know. I was not happy!