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Ford To Offer No Payments For Three Months On 2021 F-150; Other Incentives Exist For Current Model Year

Year-end promotions to clear inventory can offer attractive deals. But as 2021 Ford F-150 arrives on some car lots before the end of the year, it could be a good time to get a deal on the 14th-generation F-150.


The build up is tremendous as the 14th-generation F-150 is in production and these new trucks begin arriving at car dealerships any day now. First, as I reported, window stickers are starting to show up for those who already ordered.

Also, those who placed pre-orders are getting their notifications with their VIN numbers. So very, very soon the 2021 Ford F-150 will be available to purchase. It’s somewhat odd timing to drop this all-important truck in the end of the year.

Traditionally, this time of year is meant for clearing out of older inventory, such as the 2020 Ford F-150. In fact, November and December represent some of the best months to get deals. Even into January with colder weather, many dealerships have to offer attractive incentives to lure people out into the cold.

It appears that Ford is going to offer some attractive end of the year deals. Right now, according to multiple sources, Ford is offering no payments for 90 days on their entire in-stock lineup. This is meant to help clear out the remaining 2020 stock, but it would also seem to apply to the now arriving 2021 F-150.

2021 Ford F-150 towingWhat Deals Exist For Ford F-150?
As part of the end of the year promotion, there’s a 90-day payment deferral. This means you wouldn’t have to begin making any payment until the beginning of the new year.

You’ll recall earlier this year, Ford offered aggressive financing during the pandemic lockdown to spur on purchasing too. That program seemed to work as Ford had a rebound in the third quarter, fiscally.

But if a 90-day deferment isn’t enough incentive, there’s also available (for those who qualify) 2.9% APR financing for 36-month loans, 3.9% for 48-month loans and 4.9% with 60-month loans.

Purchase through Ford Credit and you can receive additional “bonus cash” on certain trims like XLT and certain equipment package discounts apply too. In short, the incentives are there, which is impressive considering the demand for the 14th-generation F-150 is high and they probably didn’t need to incentivize much to get people to buy.

Now, if you’re holding out or looking for a deal on a 2020 F-150, there’s plenty to be had right now. There’s 0% APR financing available in some parts of the country. There’s a $2,000 trade-in assistance going on right now and that number is rumored to triple leading up to Black Friday. There’s more “bonus cash” incentives for the 2020 F-150 XLT Crew Cabs too, so if that is the truck you’ve been eyeing, now might be a spectacular time to purchase.

2021 Ford F-150 Platinum trimWhen Is The 2021 Ford F-150 Expected On Dealer’s Lots?
As I reported, first deliveries of the 2021 F-150, mostly with the PowerBoost are on time, although other engines and trims are also part of the first expected deliveries coming in the next couple of weeks.

As I mentioned, the anticipation is growing. Seeing these Monroneys pop up give hope that the first deliveries are built and will be loaded onto trains or semis in the very near future. One forum poster noted that his F-150 was showing a mid-November delivery and coming via truck, not rail.

Ford is busy manufacturing the 2021 F-150 not just for the pre-orders, but for the first arrival at car dealerships. This will have a huge impact on the inventory issues Ford dealers have been having related to the current model year.

2021 Ford F-150 Limited trim2021 Ford F-150 Pricing
Certainly today’s half-ton trucks are getting pricey. Some comments on the story I wrote about the window stickers gasped when they saw the $74,000+ MSRP on the King Ranch trim. But honestly, that’s not overpriced for the luxury trims of today’s full-size trucks. The market dictates the pricing.

I wrote a story about how I was able to price a 2021 F-150 as low as $30,000 but also as expensive as $70,000+ using Ford’s price matrix. It was fun. And using that tool you can see the features you might like such as the reclining seats and the fold flat work surface don’t cost that much, but the PowerBoost hybrid engine adds $2,500 to the bottom line.

The best thing is, you as the consumer can determine what you want and need, if you order through Ford’s website. Otherwise, you have to wait for whatever shows up on the car lots and buy what inventory they may have.

Should the pandemic and the economic fallout from that continue into 2021, there could still be inventory shortages which will directly affect the price of the 2021 F-150. It’s simple economics of supply and demand.

We know the demand is high, will the supply be there and if so, will it be the supply of the trims, styles that consumers want. That remains to be seen.

Leave me a comment about how you finance a truck. Do you secure your own financing? Do you let the dealer assist you? Do these incentives impress you or draw you in? Leave me your comment below.

Jimmy Dinsmore has been an automotive journalist for more than a decade and been a writer since the high school. His Driver’s Side column features new car reviews and runs in several newspapers throughout the country. He is also co-author of the book “Mustang by Design” and “Ford Trucks: A Unique Look at the Technical History of America’s Most Popular Truck”. Also, Jimmy works in the social media marketing world for a Canadian automotive training aid manufacturing company. Follow Jimmy on Facebook, Twitter, at his special Ford F-150 coverage on Twitter and LinkedIn. You can read the most of Jimmy's stories by searching Torque News Ford for daily Ford vehicle report.


Tom Trimmer (not verified)    November 11, 2020 - 6:49PM

I have had a f150 2021 ordered since September. When can I get some incentive prices on it.

Patrickaffit (not verified)    November 11, 2020 - 8:00PM

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