Ford Authority

2022 Ford F-150 Custom Order Financing Deal Being Scaled Back

As it shifts toward more of a build-to-order model, Ford has been scaling back incentives and will soon offer fewer configurations on dealer lots. That means finding deals on new vehicles (as well as finding new vehicles, period) is proving more difficult than ever before. Now, according to a dealer bulletin seen by Cars Direct, a 2022 Ford F-150 custom order financing deal is being scaled back to boot, diminishing the benefit of ordering a new pickup versus buying one off the lot.

The special 2022 Ford F-150 financing deal previously offered a 0 percent interest rate for qualified customers custom ordering a new pickup for 60 months, or 1.9 percent financing on 72-month loans – both of which served as alternatives to a $1,000 retail order bonus. Now, starting with factory orders placed in February, those rates have increased to 1.9 percent for 60-month loans and 3.9 percent for 72 months, while 0 percent financing is only available for 36-month terms.

Those interest rate hikes have a pretty big impact on the cost of a loan, essentially representing a $2,500 increase in the price of a $50,000 pickup over five years or $3,200 for the six-year loan. According to the bulletin, these rates will remain in effect through April 4th, 2022, though 2021 F-150 models left on dealer lots do qualify for a 0 percent APR over 60 months.

With the Federal Reserve set to hike interest rates in the coming months and the semiconductor chip shortage likely to rage on for at least several more months or even years, finding a deal on a new vehicle won’t get any easier moving forward, at least for the foreseeable future. Regardless, Ford says that its current strategy will serve its business well, speeding up inventory turns, reducing old inventory, lowering floorplan expenses for dealers, improving profitability, making forecasting a bit more predictable, and making it easier to manage inventory.

We’ll have more on the F-150 soon, so be sure and subscribe to Ford Authority for the latest Ford F-Series newsFord F-150 news, and non-stop Ford news coverage.

Brett's lost track of all the Fords he's owned over the years and how much he's spent modifying them, but his current money pits include an S550 Mustang and 13th gen F-150.

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  1. Stephen Satterlee

    Farley should have compensated for the chip shortage 6 months ago. No vehicles getting shipped. Now stock prices plummet downward. He needs to slow the EV down.

  2. Stephen Satterlee

    There are no ICE F150s anywhere. How could Ford let this happen? They have hundreds of excuses. The customers have heard them all and are fed up. Get the assembly plants going.

  3. chesterd

    I order a 2022 F150 Platinum 3.5 Ecoboost 701A; thru Long McArthur Ford, and I like to know if the truck will be delayed and cost more or do I let it go? The order was made in December.

  4. John G. Smith Sr.

    I order a 2022 F150 King Ranch Jan 25 2022 from Murry Ford in Kingsland Ga. It is May 9 and I have not received any information for the order. I was told by sales person it would take four or five weeks to receive a vin or information that I could track the process of my order.

    1. Dave T.

      Good luck on anything from ford. Your salesman is blowing smoke up your butt. I am a ford employee and I ordered my king ranch in February 2022 and I heard from ford that they received my order on February 7. Another one email last month that due to certain parts shortages that my truck will take longer to build. No time table . Ordered my wife a 2022 explorer February 13 and received it 2 months ago. Good luck on yours as I’ve contacted my dealer- referred me to headquarters. Headquarters referred me to dealership.


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