Ford Authority

2024 Ford F-150 Lightning Gets Zero Percent Financing

When it originally launched for the 2022 model year, the Ford F-150 Lightning was in high demand and short supply, which meant that many dealers attached markups to those EV pickups, while owners were flipping them for healthy profits on the secondary market. A lot has changed in the past year or so, however, and supply has quickly caught up with demand, all while early adopters have moved on. That means that now, shoppers can get some pretty good deals on the EV pickup, even on the newer 2024 Ford F-150 Lightning, which just reached dealers a couple of months ago.

2024 Ford F-150 Lightning Flash - Exterior 002 - Side

According to a dealer memo recently seen by CarsDirect, the 2024 Ford F-150 Lightning – which has already received a round of price cuts –  is now eligible for zero percent financing across 36 months, compared to the previous-best rate of 2.9 percent. Thus far, that deal has surfaced in nearly a dozen regions across the U.S., so it’s fairly widespread, though it’s limited to three-year terms for now. Those that go for 48, 60, or 72-month financing options can get rates of 0.9, 1.9, and 3.9 percent, respectively, all of which represent three percent cuts.

Ultimately, this could save 2024 Ford F-150 Lightning shoppers thousands in interest over the course of their loan, while leftover 2023 models can be financed at zero percent for up to 60 months, as Ford Authority previously reported – just like its all-electric stablemate, the Ford Mustang Mach-E. Still, those that choose to lease can score even better deals on the EV pickup, too.

2024 Ford F-150 Lightning Flash - Exterior 003 - Rear Three Quarters

In that regard, Ford has launched a host of lease deals for the F-150 Lightning as of late. The 2023 Ford Lightning XLT Standard Range was recently made eligible for a $499 per month lease payment over 36 months with 10 percent down, though lease pricing for the entire lineup was slashed by more than $400 just in time for Memorial Day. Ultimately, this cut made the Ford F-150 Lightning cheaper to lease than its ICE counterpart, which is quite notable.

We’ll have more incentives to share soon, so be sure and subscribe to Ford Authority for 24/7 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. Mf

    Attractive finance rates and big discounts aside, Ford needs to refresh it to the 2024 f150 looks and interior. It now looks 2 generations old, and that vertical screen is terrible.

  2. Silos Toy Box

    I tried to buy a Ford Lightning early 2024 and even with decent credit the dealer wanted me to accept 18% financing, even though I had already bought 1 truck from that same dealer in the past and have financed through Ford motor credit in the past with no missed or late payments. They said that was the interest rate for the lightning, Raptor and the Tremor package, but if I wanted a standard F150 I could get 3.5% interest. I told them good luck selling them at that rate and I ended up getting a Toyota Tundra at 3.8% interest and now Ford wonders why no one is buying the Lightning? I’m done with Ford from now on. I sold my Ford stock and I tell everyone I know about this issue. So I would say shop around and don’t fall for the Ford trap.

  3. Rick james

    Haha silos toy box. You bought a Toyota truck. Sounds like ford still got the last laugh here.

  4. Yannick

    Honor the original $39k price for Pro, and I’ll be in tomorrow.


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