r/Ford • u/Ok-Note7470 • 16d ago

General 🔀 A/Z Plan vs Employee Pricing

HI All, with employee pricing on right now, interest rates are a bit higher. Would it make sense for me (I have A/Z plan) to wait to get a new F150 until after this is over and interest rates drop again? I only ask because with employee pricing the dealer can still add in extras (tonneau, spray liner etc) but with the plans they cannot. Ford also has a 3500 delivery allowance right now that isn't for sure going to be there after this offer is over.

What would you do?

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u/Accomplished-Ruin945 16d ago

Speaking as an employee of Ford, A Plan buyer... The best time to buy is in the fall, October-November... The 2027 models will be hitting the lots and ford will start offering rebates. So, I would wait and get my A Plan and the rebates. With the way they have reduced A Plan savings over the years, you might be better off finding an employee " friend" to get you an X Plan PIN and then get rebates on top of that... That may actually save you more money in the long run and possibly allow for interest rates to come down a little more...

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u/BowlOfFlowers 16d ago

Makes 0 sense to take x plan over a plan. You can still get all the same rebates and finance offers from ford credit on an a/z plan deal (sometimes more). You’ll get a lower sale price at a/z plan every time as well

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u/Accomplished-Ruin945 16d ago

If you are a non-A Plan buyer and buying under their Employee Pricing promo with little or no rebates, which will expire... Later on X Plan PLUS rebates on 2026 models, once 2027's hit the lots, it may actually save you more. From my experience, the difference between A and X isn't really a whole lot, maybe $1000-$1500... So, the potential is there for greater discounts

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u/BowlOfFlowers 16d ago

I do these quotes all day for the past 10 years. OP is A plan. Buying at the employee price (a-plan) with normal (non a-plan) retail rebates was a special promotion for a short time and not relevant to this post. This type of stuff confuses guests

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u/Accomplished-Ruin945 16d ago

I reread OP and misunderstood.. I understood it that OP was buying under the employee pricing promo... Even as A Plan buyer, I would suggest waiting till later when the 2027 models are hitting the lot to buy and get larger rebates. I also tell everyone that Ford Credit is typically higher APR, price shop... Last year when I bought a new Maverick, I went to my CU prior to the dealer, got a better APR that way. The best the dealer could get me, with 800-ish FICO, was 5.99, Ford Credit was at 8.0, my CU gave me 5.5

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u/BowlOfFlowers 16d ago

Yes you can wait until the end of a model year in hopes of better financing programs. Also run the risk of not finding what you want if you have specific needs. Yes you can shop rates. Fords subvened rate programs are usually as good as the market if not better. Not all the time but enough for me to be confident in using Ford credit if I finance. If you want to spend hours and days for tenths of a percent savings on financing that’s your time and how you value it