Yeah, but GM would give him 0% for three years and better rates for 5 years, or he can take a rebate larger than Fords instead. Sucks, but it's true The kicker though is he has points that should be as good as $4000 cash. In other words take your best deal and the $4000 is like an added down payment. I wish Ford had a rewards card as good as GM's. Basically Barkley is getting the truck at invoice, getting the rebate (which is every bit as high as Ford's) or getting a good financing rate in lieu of the rebate (which seems to be lower than Fords if financed longer). But the kicker is the $4K he has sitting there. It would be a tough decision for me, I'd honestly like to say I would skip it and buy the Ford, but I don't know.