The interest rate given to you must be higher than that of the bank. If there is no interest and handling fee, then the car purchase discount will be gone. Anyway, it's just wool on sheep. Approval is definitely easier than bank approval.
Because of usury, I hope you can pass the exam. Buying a car is their goal.
You can get a loan with these conditions, but it depends on whether the Ford Fund decides whether it is four years or three years.
Even if you apply for four years, he can grant you three years. General car companies are three-year loans.
It's no use applying for two years. He will give you a loan for three years, which seems to be the company's rule.
If you insist on four years, then go to the 4S sales director and ask him to call the head of Ford Financial Greater China to see if he can give you four years. It's no use calling if the company has regulations.