Just plugging in Springfield, MO, Ford is offering 0% for 60 months + $1000 trade assistance.
I don't see any official rebates other than that.
Don't know where you are in SW MO, but I wonder what the dealer is really offering.
0% APR for 60 mos.
Ford Credit Financing
$1,000 Trade-In Assistance Bonus Cash (PGM #30242). Not all buyers will qualify for Ford Credit financing. 0% APR financing for 60 months at $16.67
per month per $1,000 financed regardless of down payment (PGM #20838). Trade-In Assistance Bonus Cash is available to customers who currently
own or lease a 1995 or newer vehicle who trade-in or have a lease expiring from 30 days prior to through 90 days after new retail delivery. Customers
must have owned or leased the trade-in vehicle for a minimum of 30 days prior to the sale date of the new vehicle. Not available on Raptor. Residency
restrictions apply. For all offers, take new retail delivery from dealer stock by 7/31/17. See dealer for qualifications and complete details.
Get some pre-approved loans at other places if you are set on this vehicle and run the numbers.
If Ford is really only offering $1k and the other $11k are dealer discounts and trade in value, then it may make sense to finance somewhere else.
I.E. $30k borrowed at 7.25% is a $598/mo payment, total payments $35,855.
If the rate drops to 2.99% the payment drops to $539 total payments of $32,336
Now I'm assuming financing the same amount, if you lose the rebate, you finance another $1000, but you can see the difference is around $3500 by just cutting the interest rate. If you can get something like that 2.99% it makes sense to leave the $1k in rebates on the table in this example.
I don't know how much you would really finance. It takes about 1.5-2% drop in the rate to make up for the $1k rebate, depending on how much you finance. The less you finance, the lower the rate needs to be to make up for the lost rebate.
Do your math and have options before going in to sign anything.
(or suggest she do this...)