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The Ford F-150's versatility is a big part of its staying power as the top-selling vehicle in the US for around half a century. Whether you're after a utilitarian work truck, a roomy family vehicle, or a practical grocery-getter, an F-Series truck can be configured to suit your needs. That's true if you're after something a little more luxurious, too.
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Ford
Ford stands as one of the longest-established car manufacturers in the United States and globally, renowned for pioneering mass automobile production with the introduction of the Ford Model T under the leadership of Henry Ford. Over the span of more than 120 years, Ford has established itself as a top seller across numerous market segments, boasting iconic models such as the Ford F-150, Transit, and Mustang.
That is, if you like a cushy cabin, but you'd rather not trade your pickup in for an SUV like a Ford Expedition or something even more upmarket such as the new Lincoln Navigator, the F-150 has that base covered, too. For the 2025 model year, the Platinum model returns from 2024 with a round of updates, and exclusive ownership benefits including personalized customer support and discounts. The question is, at a starting cost of around ninety grand with the luxurious Plus Equipment Group added, what exactly are we getting for that price, and is it worth it?
The calculations and estimates presented in this document are intended solely for illustrative purposes. To obtain a more tailored estimate of potential expenses, you should perform your own calculations.
What Can We Expect from the 2025 Ford F-150 Platinum Plus?
When browsing the various headlines online (including our own), it's tempting to simplify the Platinum Plus F-150's MSRP to approximately $90,000. However, what is the true cost of this truck? Let’s analyze the pricing details to understand what we are really investing in.
Platinum Trim Base MSRP |
$74,805 |
Platinum Plus Equipment Group |
$14,345 |
Destination And Delivery Fee |
$1,995 |
Acquisition Fee |
$695 |
Total Cost |
$91,840 |
Please keep in mind that this figure does not account for taxes, title fees, or any additional charges. It solely reflects the cost of the truck itself, without considering any optional features, premium paint choices, or any extras—just the Platinum trim along with the Plus Equipment Group enhancement.
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Ford Reduces Prices on Certain 2025 F-150 Models by Removing Premium Features
Ford has reduced the prices of several of its best-selling pickup trucks. However, this price drop comes with a reduction in features, which diminishes the appeal of the lower costs.
What Features Are Included in the Platinum Trim?
Before diving into the Platinum Plus equipment group, it's essential to first examine the Platinum model to determine if this top-tier trim is truly a worthwhile investment. Let's take a closer look at what the Platinum version offers.
- Rain-sensing wipers
- Pro trailer backup assist
- Trailer reverse guidance
- One-year trial of connected navigation
- Adaptive cruise control
- B&O Unleashed premium audio
- 20-inch painted gloss black wheels
- Standard 4x4
- Electronic-shift-on-the-fly with neutral towing capability
- Two-speed automatic four-wheel drive system
- 3.5-Liter EcoBoost V6 engine
- Unique exterior appearance including body-colored bumpers and handles
- LED fog lamps and cornering lamps Remote power tailgate
- Aluminum crossbed storage Weather Guard toolbox
- Two front tow hooks
- Auto-dimming driver's-side mirror
- Pro power 2kW onboard outlet
- Deployable power running boards
- Black leather-wrapped steering wheel
- Premium floor mats
- Ambient lighting
- 10-way power driver's seat
- Heated front seats
What Additional Features Does Platinum Plus Include in the Luxury Trim?
The standard Platinum trim already offers a high level of luxury, so what additional features can we expect by investing an extra fifteen thousand dollars for the Platinum Plus upgrade?
- 3.5-Liter hybrid V6 engine
- Pro-power onboard 7.2kW outlet
- 22-inch painted chrome-insert wheels
- Platinum hood lettering
- Wheel well liner
- Platinum Plus exterior and interior themes
- Satin-finish exhaust tips
- Quilted leather seats
- Leather-wrapped instrument panel
- Platinum Plus Experience
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For the most part, the Platinum Plus just makes this truck a really high-end luxury pickup. What sets the package apart isn't the quilted leather seats or the hybrid engine, though, it's the Platinum Plus Experience. This is like an exclusive club membership that includes the following benefits:
- Two-year maintenance plan
- Elite welcome call
- 90-day accessories discount
- 1-to-1 texting with Ford truck expert
- FordPass Rewards points
In addition to everything else, there’s a "package and tribute item," which we can liken to the thoughtful gesture of a real estate agent presenting you with a premium coffee blend and a personalized keychain after you purchase a new home through their services.
What Additional Features Can We Include in Our Platinum Plus F-150?
The Platinum Plus F-150 is pretty much a ready-to-go ultra-luxury pickup truck, and it doesn't leave much room for add-ons at the point of purchase. But there are a few gimmicks and doodads you can throw in there, and, for our money, you have to go with the red exterior color, even if it costs extra.
- Rapid red metallic tinted clearcoat - $495
- Spray-in bedliner - $595
- Illuminated Ford logo badge - $530
- Bed divider - $520
- Retractable rear center step - $430
- Front and rear molded splash guards - $300
- SecuriCode keyless-entry keypad - $225
- Engine-block heater - $190
- Wheel-lock kit - $85
- Spare-tire lock - $80
- In-vehicle safe by Console Vault - $430
- Ash cup with lighter - $130
- First-aid kit with Ford logo - $60
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Here's Why BMW Has Not Introduced a Luxury Pickup Truck Yet
BMW has hinted at the possibility of a pickup truck on three separate occasions, yet they've never actually gone into full-scale production. What’s the reason behind this?
When we sum everything together, this is our current total.
Base MSRP |
$74,805 |
Options Including Platinum Plus Upgrade |
$16,515 |
Destination Charge |
$1,995 |
Acquisition Fee |
$695 |
Total MSRP |
$94,010 |
Unfortunately, none of our selections fall under the "accessories" category, which means that our 25% discount does not extend to additional items such as the engine-block heater.
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Ford Slashes Prices on Unsold F-150 Lightning Trucks by More Than $15,000
This could be an ideal moment to grab an F-150 Lightning at a great deal.
Based on Ford's online configurator, the projected monthly lease payment for the truck is approximately $1,188. This estimate is calculated with an annual mileage of 10,500 miles and includes a down payment of $9,332.
What Is the Financing Cost for a Platinum Plus Ford F-150?
It looks like this truck is one we might want to keep after the lease expires. Can you tell me the financing costs for the Platinum Plus, assuming we make a $10,000 down payment, have an interest rate of 5%, and opt for a five-year loan?
Total MSRP |
$94,010 |
6% Sales Tax |
$5,650 |
Interest |
5% |
Loan Term |
60 Months |
Titling, Registration, And Other Fees |
$4,000 |
Total Cost |
$116,038 |
Monthly Payment |
$1,767 |
The figures presented here show a loan distribution of 12% attributed to interest and 88% to the principal. Please note that these numbers are merely illustrative; your actual experience may differ significantly. Depending on your location, you may encounter higher or lower sales taxes. Additionally, your credit score could lead to a different interest rate than what is shown. Extra fees might amount to less than $4,000 in your area. It's essential to perform your own calculations to obtain a more tailored estimate.
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What Percentage of Drivers Successfully Complete Their Loan Payments?
Almost 50% of Americans are currently managing a car payment. Are we stuck in a cycle of paying until the vehicle gives out?
Is the Platinum Plus F-150 a Good Value for Its Price?
Buying into a premium membership plan with the purchase of a luxury vehicle isn't unheard of. But, bringing that aspect of the luxury car experience to the full-size pickup world does set the Platinum Plus apart from comparable trucks. In that sense, the Platinum Plus F-150 is pretty unique in what it does, competing more directly with full-size luxury SUVs than with other pickups like the Silverado and the Ram 1500. Bottom line: if you want to take the experience of driving something like a Porsche Cayenne or a Mercedes GLE Class, and transfer that directly to a full-size pickup, then the Platinum Plus is worth the asking price simply because it's the only game in town. It's only a question of whether this is what you're looking for in a pickup truck.
Sources: Auto Loan Calculator, Ford .