So it looks like I get the most rebates ($2000 total) by going with Ford standard financing. I'm not sure yet what my interest rate will be but I imagine it'll be around 6-8%. The sales guy told me that while technically I can go refinance the loan the next day, they ask as a courtesy to wait 3 months. If I don't wait three months the dealer takes a $150 hit from FoMoCo Credit. My local credit union offered me a 2.9% loan, I'll probably be a nice guy and wait 3 months then go with my credit union. I did however come across this thread where a guy negotiated a super low interest rate through Ford so he could just keep his loan there. I am going to try that http://www.f150forum.com/f38/standard-rate-incentives-100192/ Anyone else do the standard financing? What rate/term did you go with?