2025 Ford F-150 vs 2025 Chevrolet Silverado 1500: Financing Compared
America's two best-selling full-size pickups. Both hold value strongly — a big plus when financing a large loan — and sell with frequent incentives, so the financed price often lands below sticker. The choice comes down to configuration, capability, and the deal in front of you.
| Ford F-150 | Chevrolet Silverado 1500 | |
|---|---|---|
| Body type | truck | truck |
| MSRP range | $38,810–$78,000 | $37,000–$72,000 |
| Fuel economy | 19/25 mpg | 18/21 mpg |
| Typical prime APR | 6.9% | 6.9% |
| Est. payment (60-mo) | $889/mo | $869/mo |
Which should you finance?
Because both trucks hold value well and both regularly carry manufacturer incentives, the financing decision is driven less by the brand and more by the specific deal. The F-150 offers the broadest range of configurations, engines, and trims, which makes it easy to spec exactly what you need — or to overspend. The Silverado typically competes hard on price and incentives. Set a target out-the-door price first, then compare the post-incentive numbers on each, because the cash and APR offers move frequently and can swing the math by thousands. Both are strong large loans thanks to resale; the main shared cost to plan for is fuel, so match the engine and capability to how you actually use the truck.
Frequently asked questions
Which holds value better, the F-150 or Silverado? +
Both full-size trucks hold value well on strong, durable demand, and the gap between them is small. Trim, options, and condition matter more than the badge, so resale should not be the deciding factor between these two.
How do I get the best deal on an F-150 or Silverado? +
Both sell with frequent cash and low-APR incentives, so compare the post-incentive out-the-door price on each, and bring a preapproval so you can negotiate on price rather than payment. The better deal often comes down to current offers.
Estimated payments assume the full typical price financed at a prime APR over 60 months, with no down payment — an illustrative apples-to-apples comparison. Your actual payment depends on price, down payment, term, and your credit. Read how depreciation works and the true cost of owning a car, since resale and running costs often matter more than the payment.
Estimates only, not financial advice. Confirm current pricing and rates with the manufacturer and your lender.