Mine is written up as a 22K loan, but at the time of purchase, I paid all but $400 of the entire purchase in cash. Ford thinks I got a $22k loan, they'll be paid $21,600 on Tuesday, and then I'm going to pay $100/month for the next 4 months. That way, the dealer gets a spliff from Ford Credit for getting me to finance. They are very good to me, so I don't mind. My wife got an Escape yesterday, too, but we leased hers.