I got 5.04 from Ford for 72 months which is a far cry from the 0.0 for 48 months I traded in. Took it for now and will either refi when things normalize or treat the 72 mo like a 48 and pay off early since there is no penalty. Or just start the process now for a 25 Raptor R and let Ford pay off the balance. Options Options Options!
You can refinance pretty much at any time even before giving the first payment. I usually wait right before the 30 day mark of the original purchase so that both credit inquiries land in a 30 day period and my credit score only takes one hit instead of two. And you go a combined two months with no payment which is a plus.