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


Love that new van smell?

Well, Ford Options may be right up your street.

A type of hire purchase (sometimes called Personal Contract Purchase) where your monthly payment is lower when compared to a Ford Acquire agreement of the same length and deposit. Take a look at the video below to see how Ford Options works.  You can find more information here.

Ford Options
Ford Transit Courier

How It Works


  • This is deducted from the price of the commercial vehicle

Monthly Payments:

  • Calculated by deducting the Deposit and Optional Final payment from the price of the commercial vehicle. The balance, plus any interest and fees is then split into equal monthly payments depending on the length of your agreement.

Optional Final Payment:

  • also deducted from the price of the commercial vehicle and is due at the end of your agreement. It is the anticipated future value of your commercial vehicle assuming its mileage and condition is as agreed when you signed your agreement.

I'm Interested.  What are my next steps?

Once you have chosen the vehicle you want to buy then you will need to make a few decisions about your:

  • Agreement length – choose from 24, 36 or 48 months
  • Anticipated annual mileage
  • The amount of the deposit you wish to pay (Maximum deposit of 35%)

VAT registered commercial vehicle customers must pay the VAT amount in full with the deposit.

Your monthly payment can then be calculated

  • The Commercial Vehicle is yours at the end of the agreement assuming all payments plus the purchase fee have been made.

At The End

You have three options at the end of your agreement:


  • Choose another Ford Commercial Vehicle - Your chance to drive another new Ford Commercial Vehicle.  You can trade your old Commercial Vehicle in or sell it privately.  Once you’ve fully settled your account (including the Optional Final Payment) any money left may be used as deposit for your new Ford Commercial Vehicle.


  • Hand the Commercial Vehicle back - Assuming all monthly payments have been made, you’ll have nothing further to pay, providing the Commercial Vehicle is in good condition and the agreed mileage hasn’t been exceeded.


  • Keep the Commercial Vehicle - If you decide to keep the Commercial Vehicle, assuming all monthly payments have been made, you just need to pay the Optional Final Payment plus the purchase fee and it’s yours to drive away.

Finance subject to status. Guarantees may be required. Freepost Ford Credit.  Useage is restricted to certain business types.

Useage is restricted to certain vehicle types. Visit our FAQs for more details.

Get a Ford Options Quote

  • To get a monthly payment quote, you will need to select and configure the vehicle of your choice.

Still not sure which Finance Plan?

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  • *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.