I think I would talk to your tax man and see what he says. I work for GM so I don't really know how the Ford program works, but I think you can use the rebates on the Smart Buy. Then try to get the best rate or no rebate and 0%. I just looked at a new truck myself, but I think I would talk to the accountant and see what he says and go from there as to programs. Let me know what he says.