0% interest (48 months) and Leasing Incentives announced for Mustang.

[caddison524]

Employee pricing gone BUT zero interest on 48 month loans. Might be cheaper for those financing.

https://www.ford.com/ford-sales-events/?gnav=header-suvs-sse25

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[Skye]

"Place a new retail order or take new retail delivery from an authorized Ford Dealer’s stock by 9/2/25."

It's nice to have options.

 

[robvas]

Clearing out the 2025's.

Sadly a $1,000/month payment on a new Mustang doesn't sound that crazy these days.

 

[Kevi]

2,000 off vs 7-8,000 off and you have to pay it off in 48 months vs 60+? How is that even in the same universe?

 

[robvas]

2,000 off vs 7-8,000 off and you have to pay it off in 48 months vs 60+? How is that even in the same universe?

$50,000 loan @ 5% interest for 72 months is basically $8,000

 

[MustangMental]

$50,000 loan @ 5% interest for 72 months is basically $8,000

The 0% APR is for the first 48 months and with the interest that you are paying on a mustang its considered tax deductible with the new bill introduced until what 2028 or 2029? Gotta factor all of that which is heavily dependent on which tax bracket you are currently in, but I'd say you would take 1/3rd of the amount that you are paying in interest, subtract that from the total interest paid and that's what the real cost would be.

<---- A professional accountant

 

[MustangMental]

The 0% APR is for the first 48 months and with the interest that you are paying on a mustang its considered tax deductible with the new bill introduced until what 2028 or 2029? Gotta factor all of that which is heavily dependent on which tax bracket you are currently in, but I'd say you would take 1/3rd of the amount that you are paying in interest, subtract that from the total interest paid and that's what the real cost would be.

<---- A professional accountant

Just did some research and the tax deduction will only be for "New" cars and not used. I bought a 2024 used with 480 miles on it 3 months ago so no deductions for me I swear I read through the original bill and didn't see any specifics, but it might have been changed.

 

[robvas]

The 0% APR is for the first 48 months and with the interest that you are paying on a mustang its considered tax deductible with the new bill introduced until what 2028 or 2029? Gotta factor all of that which is heavily dependent on which tax bracket you are currently in, but I'd say you would take 1/3rd of the amount that you are paying in interest, subtract that from the total interest paid and that's what the real cost would be.

<---- A professional accountant

Was not aware of that

 

[Junkyard Dog]

Just did some research and the tax deduction will only be for "New" cars and not used. I bought a 2024 used with 480 miles on it 3 months ago so no deductions for me I swear I read through the original bill and didn't see any specifics, but it might have been changed.

LOL, yeah. I bought a "used" Dark Horse with a little over 800 miles on the odometer, LOL. Oh, well, the wife's new Explorer ST still qualifies!

 

[Junkyard Dog]

factor all of that which is heavily dependent on which tax bracket you are currently in, but I'd say you would take 1/3rd of the amount that you are paying in interest, subtract that from the total interest paid and that's what the real cost would be.

<---- A professional accountant

Well, for a married couple, the standard deduction is now $30,000.

32%, which is close to one third, does not kick in for a married couple until $394,600 for 2025, plus $30,000 is $424,600, so only if your income is higher than this after deducting 401(k) contributions and after deducting HSA contributions and child tax credits and so on, if you still have room up above that income level, will you get a 32% deduction for that interest, making it almost one third cheaper.

And you still have to pay the interest, all of it, gone from your bank accounts.

Most Mustang buyers are more at like a 12% marginal rate, or 22%, or maybe some at 24%.

The math looks a little different when you compare 12% off a 3.99% interest rate (or even 5%, as somebody posited above. 12% off of 5% means 0.6% reduction to 4.4% for comparison purposes).

 

[MustangMental]

I like those numbers. The way I looked at it is as taking my tax rate for my upper income percentage and reducing that taxable income by the amount I pay in interest total. For me at a 7.7% APR on my car loan (bad I know but even with a 760 credit score they got me) it would give me about $300 back last time I calculated so not a huge deal

 

[Starship Enterprise]

I bought mine with employee pricing but found out at the dealer, that their get-you-in-the-dealership price also includes $500 Military, $500 Educator, and $500 First Responder discount if I remember what the 3 are. So for most of you, just add $1,500 back on to the price. I told them that’s a shitty way to advertise a price, and they shrugged it off, like they aren’t the ones who advertise.

 

[hoodscoops]

Clearing out the 2025's.

Sadly a $1,000/month payment on a new Mustang doesn't sound that crazy these days.

I wonder how much did steel tariffs Part 1 effect vehicle prices

 

[Starship Enterprise]

Steel tarifs maybe, but also all the electronics. That has to be all made in China.

The entire Lincoln Nautilus is made in China…so go figure.

 

[RCFMustang]

Employee pricing gone BUT zero interest on 48 month loans. Might be cheaper for those financing.

https://www.ford.com/ford-sales-events/?gnav=header-suvs-sse25

Nice thanks for sharing.

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