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

Finance Plans for Commercial Vehicles

Use the comparison below to help you decide which type of financing is right for you. 

Plan Features

Ford Acquire

Ford Contract Hire*

Ford Finance Lease*

Available From Your Ford Dealer YES YES YES
Option To Own The Vehicle^ YES NO NO
Vehicle Age New and used vehicles (age limits apply) New and used vehicles up to 12 months old New and used vehicles up to 12 months old
Finance Term 12 to 60 months (maximum term 48 months for Ford Acquire with balloon option) Any term, 24 to 60 months Any term, 24 to 60 months
Typical Advance Rental/Deposit Zero deposit available (VAT normally paid up front for Commercial Vehicles customers) Minimum one month's rental.
Typically 3 month's rental
Minimum one month's rental.
Typically 3 month's rental
Fixed Monthly Payments/Rentals YES YES YES
No Responsibility For Vehicle Disposal NO YES Vehicle sold on lesser's behalf
100% of the Sales Proceeds are returned to the lessee
Flexible End Of Contract Options Renew/Retain Renew/Retain/Extend Renew/Extend/Resale
Balloon Option YES NO YES
Ford Fleet Accident Management Included Included Included
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 VAT registered businesses may be able to reclaim all or part of the VAT element of the monthly rental
Off Balance Sheet Funding NO YES NO
Taxation (Customers Are Advised To Seek Personal Advice) Writing down allowances may be available.
Interest cost may also be offset
Tax allowable rentals Rentals allowable against taxable profits

^Subject to all payments (including Purchase Fee) being paid.

  • Ford Credit is a trading Style of FCE Bank plc. Registered in England: No 772784. Registered Office: Central Office, Eagle Way, Brentwood, Essex, CM13 3AR. 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, Ford Contract Hire & Ford Contract Hire with maintenance are provided by ALD Automotive Limited trading as Ford Lease, Oakwood Drive, Emersons Green, Bristol, BS16 7LB. ALD Automotive is registered in England No. 987418. For the purposes of the Data Protection Act 1998 the data controllers in relation to any information you supply are Ford Motor Company Limited, FCE Bank plc, and ALD Automotive. ALD Automotive is authorised and regulated by the Financial Conduct Authority.

    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