[jandrese]

Ford probably isn't selling you the vehicle for a loss, but you are contributing far less to the profit margin. In normal times dealers operate on fairly thin margins, which is why they're always looking for ways to extract extra cash from the customer. Financing is an amazing vehicle for this. But it's also why dealers are so interested in the window tint, undercoating, racing stripe, nitrogen filled tires, etc... add ons. Those are almost pure profit to the dealer and can account for the lion's share of what the dealer actually takes home.