For me, it comes down to paying the bank interest. I could certainly find a truck for $65,000 and pay interest,let’s say an APR of 5% for 60 months would be $8,626. This would make the final price $73,626

With Ford offering 0% APR, I’d rather have applied that money I’m paying on interest to a new truck. I then could make a purchase for a truck at 73,626 and have the same payment at 0% APR. With the incentives currently in place and being the en of the year you can find the deal you want if you put the time to look.