What new 1/2 ton would you buy?

I put a KTM 450 in a the back of mine. 5 1/2 ft box. Couldn't close the gate if straight in. Sideways is good though. Definitely gate down to get 2 bikes in.

Once you get the price confirmed locally, give Barrie Ford a call.

I got rid of my Sierra 1500 because of the 5.5' box. Race days were a challenge to get my bike, the boy's 70, out tent, bbq, cooler, gear bags and ramps into.

The Ford Cab gives us more room for gear and cooler with part of the rear seats folded.

Watch out for taxes... An Ontario dealer will only charge you GST and you will be responsible for paying HST in New Brunswick when you register.

Haven't read the whole thread as I'm pretty sure I can guess how it went! lol So forgive me if this has been said already but whatever you do don't buy new, and there's no such thing as zero percent financing. New F150 $50-$60k, 1-2 years old are a dime a dozen around here for less than $40k with silly low miles. Pay your bank the $5-6k interest and you'll have enough left over compared to the "free" financing of the 2017 to buy 7-8 KLR's. Bought my 2013 AWD Savana for literally half price of the new one with 64k on the clock, absolute no brainer, "0" percent interest is a myth.

"Ignore the web gibberish. Go drive one before you buy."
Best Advice.

Opposite here in ONT. Used prices are so high they make no sense. At 4 years old, 100,000 km, with no warranty, they go for $25k for what was a $35k new truck.

I suspect there may be a deal out there for a used one but looking at some examples the savings are not that significant. For sure there is some add back to the vehicle price to offset the 0% financing but lets look at a couple deals. Brand new and slightly used - comparing two vehicles spec'd out pretty much the same

A 2017 optioned as I want it - $56,300 on the road. Let's say you finance its for 5 yrs at 0% thats all you pay.
A 2016, slightly used similarly optioned is listed at 43,500. Financed over 5yrs at 4% is $55,277

So that's about $1000 in the difference, down payment, shorter term etc would open that up a bit but it isn't a significant savings. Certainly won't buy you 7 or 8 KLRs.

Another used example - 2014 with 50,000km with similar options for $38900, over 5yrs and 4% comes out to $49,500. So yeah almost $6k savings but not huge given at 50,000km you're half way or more to the initial round of wear item replacement of parts, to say nothing of not knowing how the vehicle was maintained.

I hear what you're saying though but have my wants and slide ruler of where I put value. I don't mind buying new as I tend to own them for a decade minimum.

Absolutely. I've driven most of them, less the chevy at this point. The ford seemed the best driving and most sorted of them and at a competitive price point as well. The Titan in Pro4x trim was pretty nice and familiar as I have a Nissan product now but it just didn't go down the road as well as the ford. It was a little more vague on centre as you went down the highway and price wise they're more expensive.

So here's another question, rear locker of any value for towing? I can imagine in some areas if you're trying to move a heavy trailer around maybe and certainly if you're into off road.

I don't know if I'd worry about the rear locker. Are you really going to seriously off road a brand new truck? Fredgreen has the same optioned 2013 F150 I do... He hauls a heavy travel trailer, cargo trailer and boat trailer. I don't he's ever mentioned that "Damn, I wish this had rear lockers"

I'd be more concerned with Rear End Ratio, as that affects towing more, on the whole. Depending on the ratio, it can mean up to 2500#. If I'm not mistaken... The stock F150 is 3.73 or 3.62? Look for a 3.92 (or closest) Ford equivalent and you can pull the big plug out of the ocean.

I'm not adverse to off-roading a new vehicle, the Xterra was on the trails from day one. That said this won't be the purpose of this vehicle besides its to big for the trails I used travel and without at least 33 or 35s on something like this it would spend a lot of time stuck. I didn't think a locker would be much value unless offroading, just wanted to confirm with those who may know better if there was some instance when towing or moving a trailer around where it was an advantage.

I'm tracking Ford's gearing is 3.31, 3.55 and 3.73, though if you went with the new 10sp in the 3.5 the lower first 3 gears may give a 3.55 more of a 4.10 kind of ratio. (?) I suppose if you were moving up in tire size or towing at the limits this would be a factor. I think I'll be ok with 3.31 and wouldn't be put off by 3.55 but beyond that I think fuel econ takes a hit.

I'm pretty sure I'm running 3.55. I haven't had to tow anything yet.

Mileage is decent... today I fueled up and was getting 10.3L/100Km via the truck. At full, the distance to empty read 989Km. Take that for what its worth. If you're going to do any heavy towing, I think the best recommendation for these trucks is airbags if you don't have the HD Suspension Option. I think the technically, the 3.55 (and only in the EcoBoost..can't comment on the V8) brings me down to 9800# towing capacity plus the 3000# payload. Impressive, nonetheless.

As someone who was a die hard "I'll never own a Ford" person, I don't think you can go wrong with the F150.

I did have a complaint today. I'm short. No Robbie O short, but short nonetheless. I really needed a step stool to get into the bed on an off camber hill. Honestly. Even when the truck is parked on flat ground I need to be careful.

Around there parts, a used truck is only a few thousand less than new. So buying new isn't all that bad.

Wife has 0% interest on her car. So, not sure what you mean by no such thing. Haven't paid a dime in interest.

According to your figures, I could buy two F150s for what I bought my F250 CCLB 4x4 for.

Interest rate on my truck is 1.x%. I doubt I'll pay more than $3k in interest.

~$16k for a used, half-ton van with 64k miles isn't really that much of a "deal".


I personally see nothing wrong with financing a vehicle for five years and paying it off in three. If you can handle the monthly payments, go for it. There's arguments for both sides I'll admit though. But I've been told that I'd lose my house, end up divorced, possessions would all be repo'd, I'd go broke, credit score would end up in the 200s, and I'd never be able to afford anything else if I bought a new truck. When in fact, the exact opposite of all that happened.

My truck has an e-locker. Its helped a few times. Getting out of my snowy driveway it was awesome. Just click and I'm out. Also towing a trailer down to a muddy parking area, I parked to close to the side of the road. Trailer slid in a little. 4WD wasn't enough. Locked the rear and got right out.

So it has saved me a few times sure.

Must be some big regional differences with regards to new vs slightly used. 1-2 year old F150's are all over the internet on this end of the country for $20k less than new. How much less than new would one of these used F150's be in your area? If you think the manufacturers are giving you the zero percent financing out of the goodness of their hearts and not adjusting the selling price to reflect their costs I have some bad news for you. Just think back a few years and remember what a new 1/2 ton cost and compare it to now, technical differences don't account for the entire increase. In 2003 I bought a brand new 4 door Dodge/Cummins full load leather Laramie for $46k, now we're talking close to $60k for 1/2 ton gas pots, that's more than zero percent.

Not sure where the $16k came from, can't see where I said that but anyways the new version of the van optioned exactly the same (no technical changes year to year so valid to compare) is $52k. I paid half that, so if that isn't a deal in your books I don't know what to say. Took 6 months of shopping a $100 flight and $100 worth of ferry and fuel to get it home but it was literally half price. As for the 64,000km mileage if I'm concerned about longevity and reliability of any vehicle I'm considering at that low amount I chose the wrong vehicle. I certainly don't think there's anything wrong with financing for 5 and paying it off early either, I just question the value of buying new.

What loan calculator are you using? The ones I used with the figures you supplied for used $43.5k @ 4% for 5 years the total is $48k. $8K is a good chunk of money to me, the 7-8 KLR thing was just a feeble attempt at humor. And your other example for $38.9 with the 2 calculators I just checked comes to $43k which leaves lots of room for a couple hundred bucks worth of brake pads and the used one will probably have mud flaps, boxliner, floor matts and other little stuff that can add up pretty quick already installed. It always changes things depending on how you look at em too, the difference in monthly payments is probably pretty small, but $8-13K in an RRSP or TFSA now isn't small when you go to retire, it's a boat! Anyways don't want to get into a pissing match because I get the wants vs needs thing. I once wanted a brand new zero mile truck and got it, but I was pretty happy when I was done with that one! lol

This is what I was using https://www.tdcanadatrust.com/loanpaymentcalc. For for the cost of borrowing to be in the $12k range in your examples you'd have to be paying 12% interest.

As for the locker I drive a 2015 F250 for work in mostly muddy (sticky clay type shit) or snowy conditions, the truck spends about 1% of it's life on paved roads. I find that with this particular rig (don't know if the new ones are the same) the E-locker kicks out at 30kmh so by the time I light up the tires a bit to clean the treads it just kicks out. I wouldn't buy one based on my experience in these conditions.

I wrote the formulas in excel. Did you account for the awesomeness of HST at 15%? Its a shot in the nuts for sure.
43,500
+15%
50,025

60mth at 4% = 55260 (ish) total outlay. You would save some interest with a shorter term and down payment but I like to look at raw numbers. Down payment and term I can directly influence the others tell me about the deal the dealer is offering as they like to throw numbers at you and talk monthly payment which I don't care about so much as total cost.

Roger about the KLRs I was doing a terrible job extending the joke, I understood your meaning though. No pissing match desired just friendly banter, everyone has their definition of value and where they are willing to park their hard earned dollars and that's a personal choice. I enjoy getting other's perspectives though given there is lots of value to be had from the many people that are smarter than me.

I agree a few extra thousand in saving makes a big difference going into retirement. On that note I pay myself first with both RRSP and TFSA contributions as part of my monthly budget, that is untouchable. I have an annual budget that we review quarterly not to micro manage spending but to see if our patterns are changing. This feeds the forecasted budget for the last 5 working years and the first 5 retirement years. I have a sense of where I want to be leading up to retirement and what I want retirement to look like and what that will cost. This along with future value calculations for investments and other sources of income are all factored in based on conservative assumptions, its not certified financial planner stuff but its pretty tight.

Yeah my Xterra has a locker, a great item for off road, almost added a ARB air locker to the front but started to get away from off roading. I could live with out it I imagine.

HST? Of course I didn't think of that! lol I figured the prices you were using were both OTD. So no HST on new, only used? We get dinged PST on either so it's kind of a wash. So what am I missing here, I'm assuming dealers where you live don't take trades? They'd have to say no as they'd never sell one, very interesting.

Love my F150 ecoboost


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NB govt blended the PST and GST to give us HST and they apply it like its some sort of miracle cure for shitty government and out of control spending. I digress...The new truck was the all in cost, so the math on that is:
MSRP $56149
Bedliner $550
Mfx Discountr -$3750
Dealer Discount -$3053 (As near as I can tell)
Taxes $7484.4
Total $57380.4
Costco Discount -$1000
Bottom Line out the door as quoted $56380.4 (0% so not finance costs add back to total outlay).

Trades, yeah dealer is happy to take them, at some wholesale price because they can make a good profit on a used vehicle. Normally they are not overly interested in anything over 10yrs old so my 2006 Xterra would not be worth much on trade. Its also moderately modified with aftermarket bumpers, rock sliders, winch, lights, suspension, intake and a few other things. I need to replace the exhaust and would then sell it myself for a very reasonable low price, some young guy will buy it and if he doesn't beat it to death on the trail will have a very good truck for years to come.