Ford Credit is a wholly owned subsidiary of Ford Motor Company and is part of one of the largest automotive finance companies in the world. We have been supplying Ford customers with finance products in the UK since 1963. We constantly strive to ensure that our products and services make financing a new car more accessible, whilst remaining committed to delivering the highest levels of customer service and support.

 

No, Ford Credit offers fixed rate agreements, so you'll know exactly what you'll be paying from the outset over the term of the agreement.

Hire purchase and PCP agreements will include an option to purchase fee, which is payable should you wish to own the vehicle.

Ford Acquire is our traditional hire purchase plan which is convenient to arrange and has flexible terms to suit your needs. 

 

For full details of how it works click here

Repayment periods can be from 12 to 60 months.

At the end of the agreement period, assuming all payments have been made, you own the car if you have exercised the option to purchase.

Ford Options is our personal contract purchase plan which is ideal for customers who wish to renew their car more often. It also provides them with the added security of knowing what the minimum future value of their vehicle will be at the end of their finance agreement. 

 

For full details of how it works click here.

Ford Options Cashplan is a variation of the Ford Options plan, which has no regular instalments. This plan provides the customer with the added security of knowing what the minimum future value of their vehicle will be at the end of their finance agreement. 

 

For full details of how it works click here

Ford Options agreements can be taken out over 24/30 or 36 month terms.

 

Ford Options Cashplan agreements can be taken out over 12, 24 or 36 month terms.

At the end of both these plans your options are as follows:

Your GMFV is due 30 days after your last regular instalment has been paid.

Please contact us on 08457 125490 immediately to discuss and advise us of your decision. 

 

Please click here to find out what options you have at the end of your Ford Options or Ford Options Cashplan agreement.

Simply return your vehicle to your Ford Dealer, who will carry out an appraisal on your vehicle. So long as the vehicle meets our ‘fair wear and tear’ standards, and you are within your agreed mileage, you will have nothing further to pay.  Your Wear and Tear guide, provided at the start of your agreement, will give you further information regarding fair wear and tear as well as the appraisal and return process.

The annual mileage is agreed depending on your individual requirements at the start of the finance agreement. It allows Ford Credit to allocate a Guaranteed Minimum Future Value to the vehicle, thereby calculating the monthly repayments.

Can I take a payment holiday?
We don't offer a payment holiday facility. Please contact us on 08457 125490 to discuss your personal circumstances.

 

Yes, you can settle your account at any time once your account has been set up. You can request a settlement quotation on your finance account via our online Account Request Service by clicking here. Alternatively please call us on 08457 125490.

 

Ford Credit settlement figures are calculated according to the Consumer Credit Act for regulated agreements. 

 

The Finance & Leasing Association provides consumer advise on how settlement figures are calculated. Visit www.fla.org.uk for more information.

 

Statements of Account provide details of all payments you have made to date and the outstanding balance. You will receive an annual account statement from us through the post on the anniversary of your contract. You can also request an interim statement to be posted to you within the next 5 working days by calling us on 08457 125490.

 

We require for your protection and ours that your car is comprehensively insured at all times. In the event of an accident you should submit a claim to your insurer. Please note you must continue to pay normal monthly instalments pending determination of your claim. If the car is not insured, we will take possession of the vehicle and sell it at public auction. You will continue to be liable for the difference between the net sales proceeds received from the vehicle and the insurer’s settlement amount. Our Guaranteed Asset Protection (GAP) product can cover you for such shortfalls. For more information on GAP click here

 

You can notify us of your insurance details via our online Account Request Service by clicking here

 

If your account becomes overdue our Collections department will contact you to discuss your personal circumstances. 

Depending on your situation, you may want to seek independent advice. Please contact us on 08457 125759 to see how we can help.

We are unable to transfer agreements into another person’s name, irrespective of their relationship to you. However, there are some circumstances where we would consider this, such as transfers between two limited companies or where executors wish to transfer equity in the event of a customer death.

You can update us with changes to your personal details or vehicle details (e.g. change address, name, etc.) via our online Account Request Service by clicking here

You can request a change of payment details (new Direct Debit or Standing Order) via our online Account Request Service by clicking here 

 

You can request a change to your instalment due date via our online Account Request Service by clicking here

You can request a copy of your finance account contract via our online Account Request Service by clicking here

  

You can request for a third party to be authorised to act on your behalf via our online Account Request Service by clicking here

What is PPP?
PPP stands for Payment Protection Plan. We offer four Payment Protection Plans that reimburse customers their monthly payment in the event of accident, sickness or unemployment or pay the outstanding value of the loan in the event of a customer's death (depending on the cover you select).

Our Payment Protection Plans are designed to meet your monthly repayments if you are unable to work because of accident, sickness or unemployment or if you leave work to become a carer. If you die our plan will repay your outstanding balance (depending on the cover you select).

We offer Life, Accident and Sickness or Unemployment cover. You can buy cover individually or buy our Premier cover that contains all these products.

By visiting your local FSA authorised Ford Dealer.

Yes there is. To be eligible for Life Cover, at the start date you must:

• Be 18 or over and under 75 when your finance agreement is due to end

• Live in the United Kingdom, the Channel Islands or the Isle of Man

 

To be eligible for Accident and Sickness cover, Unemployment cover or Premier cover, at the start date you must:

• Be 18 or over and under 65 when your finance agreement is due to end

• Live in the United Kingdom, the Channel Islands or the Isle of Man

• Have been in continuous paid work for at least 16 hours per week for the six months prior to the start date of the policy. This includes self-employment and working under a fixed-term contract

If you die due to an illness you were aware of at the outset of the agreement, you will still be covered by our Life Policy.

 

However, existing illnesses would be excluded from our Accident and Sickness cover unless you:

• have been continuously insured on your Ford Credit policy

• have been symptom free and

• have not consulted a doctor or received treatment for the condition in the 24 months immediately prior to your claim

You can make a claim by calling us on 0870 720 0742.

You can make more than one claim on our Accident and Sickness, Unemployment or Premier Policies. However there are limits to the number of benefit payments you can receive (see our policy booklet for further information).

If you have an unemployment claim, we will provide you with a Job Finder Guide and access to our Claims Support website, which will help you in your job search.

 

You may also be offered access to a CV rewriting service, a CD Rom, employment workshops and telephone support service.

 

If you have an accident and sickness claim we will provide you with our Claimant Health Guide. You will also have access to our Claims Support website, which will assist you with health updates and general information on your condition.

You can cancel your policy at any time by writing to us at:

 

Ford Credit, Customer Service Centre

Abbot House, Everard Close, St Albans, Hertfordshire AL1 2RW.

If you decide you do not want the cover and wish to cancel your policy, you can do so by writing to us within 30 days (the ‘cooling off period’) of the start date or the date you receive the policy documents, whichever is later.

 

You will receive a full refund of any monthly premium paid provided no claim has been made under the terms of this policy.

 

If you decide to cancel your policy outside of the cooling off period, we will no longer collect monthly premiums but there will be no refund due.

We may vary your monthly premium if there is a change to the insurance premium tax percentage.

You can contact us by calling 0845 712 5490.

While it is always our intention to provide a first class standard of service, if you do have any concerns regarding your insurance cover, please address them to:

 

Customer Relations Manager

Cardif Pinnacle, Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX

While it is always our intention to provide a first class standard of service, if you do have any concerns regarding your insurance cover you may address them to:

 

Customer Relations Manager

Cardif Pinnacle, Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX

 

Alternatively, should you remain dissatisfied with the outcome of any internal enquiries or claims outcome, you have the right to refer your concerns/complaint to:

 

The Financial Ombudsman Service (FOS)

South Quay Plaza, 183 Marsh Wall, London E14 9SR.

If you are unhappy with, or have any concerns about the service you have been provided, then please let us know.