Saved by ZERO.

You Pay what we pay, not a cent more.

Announcing Employee Pricing Plus.

Keep America Rolling.

Mr. Opportunity

Did i miss something?

^^^Recession?

You are right…. We’ll see if this is just smoke and mirrors -OR- Employee pricing AND getting rid of special financing…

Its pretty amazing how STUPID people are… For example, GM had 0.0% x 60-72 months on almost everything! They got rid of 0.0% and instead gave people between $3-5,000 in rebates.

WHAT 90% OF THE PEOPLE IN THE COUNTRY FAIL TO REALIZE THAT 0.0% X 60 (let alone 72mos) on a $25,000+ car saves you close to $6k in interest charges figuring 5.9%… AND THAT NUMBER ONLY CLIMBS WITH TERM & FINANCING BALANCE….

GM, Chrysler & Ford all realize that people can’t put 2 and 2 together and HAVE TO come up with EMPLOYEE PRICING just to get these neanderthal’s in the doors…. And what I mean by that is NOT that they’re trying to be shady about it, its just that we Americans are so dumb that we think 0.0% isn’t a big deal anymore…

I’m sorry but YOU’RE BETTER OFF GETTING A CAR WITH 0.0$ RIGHT NOW THAN WAITING 5 DAYS AND GETTING $4,000 MORE IN REBATES….

ANOTHER typo, LLN :

the Dearborn-based automaker will also cash back on some qualified vehicles.

WHEN ARE YOU GOING TO PROOF YOUR WRITING BEFORE YOU PUBLISH IT?

Good point about the interest-free loan being better than a rebate, But Moslems are discouraged from incurring debt. The car companies therefore are aiming employee pricing at Moslems, thereby aiding and abetting terrorists. I expect that when they capture bin Laden, they’ll confiscate his convertible Camaro too.

Actually, MitchL, I just calculated the payments on a $25,000 loan at 5.9%for 72 months and the total interest is $4,900.77, not 6k. For 60 months it’s $3,787.96 But if I can score $3,500 cash back now I will have more that that in 5 to 6 years, so don’t assume everyone is as poor an investor as you.
I won’t even factor in that if I have cash and hold all the cards I can score a better price from day one.

But to further blow hole in your retarded financial diatribe, Ford and GM typically do not offer 0% for 6 years or 5 years. It typically caps at a 3 year term with interest being charged thereafter, so to be fair you have to calculate the interest on 3 years at 5.9%, which on that loan amount comes to $2,205.22 which is lower than the 2,500 or 3k cash back option to begin with, so your numbers just got toasted again, math wizard.

One thing you are right about, though … “Its pretty amazing how STUPID people are” ….. including that moron looking back at you in the mirror.

Oh yes, by the way, I fully understand the “time value of money” and why paying cash may not be the ultimate in financial prudence, but then again the tiny bit that may cost me is more than offset by the fact that I don’t have to pay for jack on a monthly basis in life and am pretty well set as a result.

Also, when you pay cash, you have the added benefit of keeping personal information out of more and more corporate marketing whore databases. When I buy I provide a license/insurance, a telephone number, and a check. Everything else they ask for I tell them to go eff themselves with.

This works so well for me that the last “background check” that was done on me resulted in empty pages – they could not believe it. The fewer databases you are in, the better – you can take that to the bank.

I was seriously considering the SVT Raptor, but of course getting a discount on that is not gonna happen. I bet the Shelby GT 500 is not in the employee discount list either. Outside of those two vehicles, what does Ford have that’s not designed for soccer moms and rental fleets?

I drove a Mercury Milan the other day as a rental and I have to say it was a piece of garbage. For the same price, a colleague of mine rented a Jetta and it was wonderful. I definitely won’t put Mercury on my list.

mayer_ray_nagin – since you obviously stated in your comment that you don’t finance your vehicles, how the heck to you know how the financing of a vehicle works. Prehaps back in the 50’s & 60’s when you were financing cars the interest worked that way. However, GM, Ford & Chrysler have had 0% financing for 60 72 months on different vehicles since Oct. 2001. 0% for 60 or 72 months is just that….0% for 60 to 72 months. They don’t recalculate your loan in to or three years at a different percentage rate. For someone that is so critical of other’s posts, you should do your homework first & then start calling people who are truely morons names.

Here’s a different view. The majority of americans only keep their vehicles anywhere from 2 – 3 years. Taking the 0% for 60 or 72 would benefit them less than taking the rebates/employee pricing. Less of a carry cost on something for only 2-3 years is better than paying 0% interest for 2-3 years and trying to trade it in with a higher balance.

sakio327, curious. What made the Milan a piece of garbage versus just a car your wouldn’t buy?

Desertdweller, two things:

First I never financed in the 50s/60s because I wasn’t born then.

Second, although a few GMs/Fords have had 0% for 60, the bulk had something like 0%/36, 2.9%/60, or $X cash back. How do I know? Because even though I buy cash I make myself aware of all the options. But if they did have 0%/60 then usually that comes with a higher cash-back value which validates my point even more.

The only post I was critical of was MitchL’s. Mitch is the one who said “it’s pretty AMAZING how stupid people are” and “most people FAIL” and that “people can’t put 2 and 2 together” and called them neanderthals. Kick his mathematically challenged butt, not mine.

I financed one car in my life: my first. I paid it off within 7 months. Payments are a means creating a servitude to the system, and more power to anyone who buys into that crap. Since I paid off that car, I’m debt free, including my house and all that. Screw feeding an economy that will eff you any chance it can.

The beauty of long term 0% financing is it makes it that much simpler to calculate when your residual is finally equal to the current market value. On the average domestic car over say a 5 year repayment schedule that blessed moment usually occurs after about 59 months. That leaves you roughly 30 days before your powertrain warranty expires to lock into that next opportunistic limited time offer which almost always seem to be available. I don’t want to imply there’s a pattern here, but if you think any reference to having you by something short and curly refers to an item on an Arby’s menu the locals have a deal for you.

J.D.Power rates the Mercury Milan better in just about every way than the VW Jetta. You must have gotten a well worn vehicle. I’ve typically got near perfect service with every FoMoCo product I’ve owned. My last ‘97 E150 van rolled up 400,000 trouble free miles with neither engine nor tranny having ever been touched. I simply could not wear it out, just got tired of driving the same vehicle. Bought a new one, gave the old one to a nephew who just drove cross country and back without a hitch! Those 4.6 V8’s and C6 trannys are nearly indestructible. Folks are brainwashed to believe USA vehicles are inferior when they clearly are not.

This will work ONLY If Ford cooridinates times the end of ‘Employee Pricing’ with the release of new models. Coming in 2009 (as 2010 models) are:
- New Fusion/Milan, including hybrid models. This is the model that will save Ford, like the Taurus in the 80’s
- New Escape/Mariner, which will share the Fusion’s hybrid. This could dominate the crossover market
- New Taurus/Montego. The complete, 1-year redesign ordered by Mulally. Hope it’s worth it
- New Mustang in early 2009, followed by the Shelby 500. If the Twin Force system can deliver HP with good MPG, then it will fly off the dealer floor (especially compared to the Challenger and vaporware Camaro)
- New Focus, Fiesta, and possibly the Ka. Derived from Ford Europe’s operation, these could be serious contenders in the small car markets.

Also, lets not forget new Volvos and Mazdas are around the corner as well. If Ford does take government bailout money, it should be to accelerate bringing all these new models to market. This time next year Ford will be intact and turning a profit. GM and Chrysler will be history.

global_lightning I tend to lean to Ford however i hope you are wrong. As well as all the deathwatchers.

That is I mean wrong about GM and Chrysler.

New Volvo’s are just around the corner? I must have committed some horrible crime in a past life….

I agree with Fleming in Tennessee. A couple of years ago I bought a Mustang GT – first domestic car ever. No mechanical problems, interior materials are holding up well (yeas, a bit too much plastic, but it’s durable), and my Ford dealer has been great. Added bonus: I’m averaging 20.5 mpg – from a 4.6 liter V8.

Not all domestic cars (or manufacturers) are great, but some are highly underrated.

no matter what pricing deal Ford gives on its car, its still a bad deal because its a Ford. I doubt there will be many people interested in whatever deals Ford is offering. Ford dealerships are very lonely places with salesmen just surfing for porn to waste time.

Man, I saw an F-150 brand new for sale for $9,950. If I was in the market for a truck, then this would be a no-brainer.