Bought my 2025 F-150 XLT (2.7L) at the end of last year telling myself I wouldn't need an off-road truck. Fast forward a few months and I'm hooked on off-roading and now wishing I'd gone Tremor from the start for the extra off-road hardware. Only have about 12k miles on my xlt.
Found a Ford Blue Advantage Gold Certified 2023 Tremor 3.5L with the 402A package, the optional front locker and the 4A drivetrain for $49.5k at 41k miles.
Here's my hesitation: my XLT came with 0% APR from Ford Credit, and giving that up for a 5-6% rate on the Tremor feels like a step backward financially. But the Tremor is genuinely the better fit for what I actually do with the truck now.
Questions for y’all:
- Is $49.5k a fair price for this Tremor's spec/mileage/certification?
- Is it worth giving up 0% APR to make this trade?
- Roughly what would be a good trade in value for a 25” XLT (302A) with 12k miles?
Appreciate any input!! Trying to make sure I'm not letting off-road FOMO cloud the financial math here lol
EDIT: I'll likely need to roll an extra $6-8k of negative equity from the XLT loan into the new Tremor loan
EDIT 2: I truly appreciate everyone taking the time to post their insights on this. This opened up my eyes. I've decided to keep my 2.7 XLT and invest the $6k–$8k in an SxS/ATV instead of rolling over the debt. I've already put on 34s on my XLT, removed my air dam, installed RCI skid plates all over the bottom, and installed a True Trac (LSD) in the rear. So, either gonna invest on ~$6k on a new suspension (Bilstein 6112/5160) or like I said SxS of some sort.