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Home > Finance > Ford Credit Overview > Personal Financing > Ford Options


Love that new car 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.

Get a Quote

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

Build and Get a Quote

Ford Options animation
white fiesta

How Ford Options works:

Deposit : -This is deducted from the price of the car

Monthly Payments : - Calculated by deducting the Deposit and Optional Final payment from the price of the car.  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 car and is due at the end of your agreement. It is the anticipated future value of your car assuming its mileage and condition is as agreed when you signed your agreement.

I'm Interested.  What are my next steps.

Visit to configure your new Ford car or visit your nearest Dealer

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 or 36 months
  • Anticipated annual mileage
  • The amount of the deposit you wish to pay (Maximum deposit of 35%)

Your monthly payment can  then be calculated

The car 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 car

Your chance to drive another new Ford Car.  You can trade your old car 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 Car.

Hand the car back

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

Keep the car

If you decide to keep the car, 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. Freepost Ford Credit. 


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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.