AzScorpion
Moderator
NFCU has been great to deal with and their customer service phone support is even better. Seeing as your truck will arrive in a few weeks it looks like they will be the best finance options right now. If/when the economy turns south then you will see better rates and incentives.That is who we use for our financing. Makes everything so easy. Arrive with the check and most times, dealerships don't even try to compete with them.
Usually the best time to buy (if you're looking for incentives) is either right before the next year launches or towards the end of the year trying to get rid of the remaining years inventory. There were some killer Black Friday sales back in 2019 on the XLT and IIRC some were getting close to 10K off.
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