Home > Finance > Ford Credit Overview > Commercial Vehicle Financing > Finance Options and Comparison

Ford Credit Commercial Vehicle Finance Plans

Use the comparison below to help you decide which type of financing is right for you or your business.  For more information about the finance plan click in the finance plan description at the top of the table.

Plan Features

Ford Acquire Ford Options Ford Options Cashplan Ford Contract Hire* Ford Finance Lease*
Customer Type Private individuals and business customersSome business types are excluded from Ford Options and Ford Options Cashplan. See ford.co.uk/finance/support/business-finance for a full list Business Customers Only
Option To Own
The Vehicle**
YES YES YES NO NO
Finance Term 24 to 48 months (maximum term 60 months for Ford Acquire) 24, 36 & 48 months 24 & 36 months 24 to 60 months
Typical Advance
Rental/Deposit
Zero deposit available 
(VAT normally paid up front)
Advance Payment  Minimum one month's rental.
Typically 3 month's rental
No Responsibility
For Vehicle Disposal
NO NO NO YES NO
Flexible End Of
Contract Options
Renew/Retain Renew / Retain/ Return Return vehicle and Renew
Sell vehicle and Renew
Balloon Option YES Optional Final Payment NO YES
Optional Maintenance
/Service Package
Ask your Ford Dealer Available at additional cost Ask your Ford Dealer
Road Fund License Included for the first year Included for the duration of the agreement Included for the first year
VAT On Monthly
Payments
No VAT on payments but VAT on vehicle may be fully recoverable
VAT registered businesses may be able to reclaim all or part of the VAT element of the monthly rental
Fees Finance Facility Fee payable with the first monthly payment. Purchase Fee payable with the final payment if you wish to own the vehicle at the end of the agreement. Our fees may vary dependent on marketing promotions available at the time.
NO NO
Taxation (Customers Are Advised To Seek Personal Advice) Writing down allowances may be available.
Interest cost may also be offset
Rentals allowable against taxable profits

**Ford Acquire, Ford Options and Ford Options Cashplan: your business will own the vehicle once all payments (including the final balloon where applicable and the Purchase fee) have been made.

Ford Contract Hire: Ford Lease is the legal owner of the vehicle. However, the customer is responsible for any service, maintenance and repair costs (unless covered by an optional maintenance agreement) plus any additional costs such as parking fines, traffic violations or accident damage.

Ford Finance Lease: Ford Lease is the legal owner of the vehicle and the customer is the registered keeper of the vehicle. The customer is responsible for any service, maintenance and repair costs, plus any additional costs such as parking fines, traffic violations or accident damage.

Business users only

  • Business users only. Ford Credit is a trading style of FCE Bank plc. Registered in England: No 772784. Registered Office: FCE Bank plc, Arterial Road, Laindon, Essex, SS15 6EE. FCE Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm reference number 204469.

    *Ford Lease is provided by ALD Automotive Ltd, trading as Ford Lease, Oakwood Drive, Emersons Green, Bristol, BS16 7LB. ALD Automotive Ltd is registered in England no. 987418. Finance subject to status. Guarantees and indemnities may be required. ALD Automotive Ltd and FCE Bank plc are authorised and regulated by the Financial Conduct Authority. FCE Bank plc act as an insurance intermediary in relation to Ford Insure.

    The availability of tax and VAT benefits may vary subject to the facts and circumstances of individual cases and tax law is subject to change over time. Customers are therefore advised to seek professional advice with regard to taxation.

Top