Ok who ever was told by the dealer that they had to chose between 0% finance or 500$ discount needs to go talk to their dealer, if Ford is offering a % finance and 500$ discount you get them both.
1 person could come in and buy the same car at 48 months 1.9% finance and get 500$ off.
but then you come in and see that at 72 months its 0% finance, but you also will receive the 500$ off.
the finance rate is not a 1 or the other option. 2 ppl cant buy the same car for 60months and 1 person get 1.9% and the other get 500$ off and 1.9%. the interest rate will change in 1 of 4 conditions.
1. you buy the same car at a different finance term ie. 48mo vs 72mo
2. the finance % promotion is over.
3. your credit is not the best and ford needs to go to an outside bank to approve you. ( my used 07 f150 was 7% finance with Ford , i told ford that toyota was giving me 4.9%, ford went to an outside bank to get me a 4.9% to match. i bought the ford)
4. you are buying a different car that doesn't have a 0% option at any finance term, even though other cars might.