PERSONAL CAR FINANCE

YOUR CAR, YOUR WAY

Ford has a range of finance plans that have been designed to simplify the process of getting a new Ford on the road. You can find and finance your new or approved-used Ford all in one place.

Compare our finance plans, including hire purchase and leasing, and find the plan that’s right for you.

Which Ford Credit Finance product is right for me?

FORD OPTIONS

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 animation

HOW IT 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.

AT THE END

You have three options at the end of your agreement:

Renew
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.

Return
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.

Retain
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. 

NEXT STEPS

Visit ford.co.uk 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.

FORD ACQUIRE

Put a deposit followed by monthly payments - you own the car at the end of the agreement.

Take a look at the video to see how it works or find more information here.

Ford Acquire Video

HOW IT WORKS

  • Deposit : Your deposit is deducted from the price of the car
  • Monthly Payments : The balance plus any interest and fees is divided in to equal monthly payments depending on the length of your agreement.

AT THE END

Visit ford.co.uk 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 to 48 months
  • Deposit - the amount you,ve chosen to pay upfront

Your monthly payment can  then be calculated

NEXT STEPS

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

Finance subject to status. Freepost Ford Credit. 

FORD OPTIONS CASHPLAN

Just an advance payment and an Optional Final Payment.
No monthly payments to make.

Take a look at the video to see how it works or find more information here.

Ford Options Cashplan Video

HOW IT WORKS

  • Advance Payment : This is the difference between the purchase price of the car and the Optional Final Payment and includes any interest charges and the Facility Fee.  This is paid up front
  • Optional Final Payment : This 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.

AT THE END

You have three options at the end of your agreement:

Renew
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.

Return
Hand the car back

You’ll have nothing further to pay, providing the car is in good condition and the agreed mileage hasn’t been exceeded.

Retain
Keep the car

If you decide to keep the car, assuming all 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. 

NEXT STEPS

Visit ford.co.uk 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
  • Your anticipated annual mileage

Your dealer will then calculate your Advance Payment

FORD PERSONAL CONTRACT HIRE

No vehicle ownership - you hand the vehicle back at the end of the agreement.
Take a look at the video to see how it works or find more information here.

 

An advance rental followed by fixed monthly rentals.
The vehicle is returned at the end of the agreement.*

Ford Personal Lease

HOW IT WORKS

  • You pay an advance rental and then fixed monthly rentals.  
  • Your road fund licence is included for the duration of the agreement.
  • At the end of the agreement you return the car to Ford Lease*

AT THE END

There are no part exchange or disposal issues.

At the end of the agreement you simply return the vehicle to us*

Your Dealer can discuss your new car requirements and provide you with a new quote for Ford Personal Contract Hire.

If you are interested then take out a new agreement and collect the latest model.

Finance subject to status. Guarantees and Indemnities may be required. Ford Personal Contract Hire  is provided by ALD Automotive Ltd trading as Ford Lease BS16 3JA.

NEXT STEPS

Visit ford.co.uk 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 - between 24 and 48 months
  • Maintenance  - talk to your Dealer if you are interested in adding one of our maintenance plans (at additional cost)
  • Annual mileage - additional charges will apply if you exceed this
  • Advance rental - how many would you like to put down?

Your Dealer will then provide you with an instant quotation showing your Advance Rental and Monthly Rentals

FIND YOUR PERSONAL FINANCE PLAN

Compare our personal car leasing and finance options to find a car payment plan that may suit you.

View Business Finance Plans

 
FORD PERSONAL CONTRACT HIRE*
FORD ACQUIRE
FORD OPTIONS
FORD OPTIONS CASHPLAN
Customer Type Private individuals
Option to own the vehicle^
NO
YES
YES
YES
Vehicle age
New vehicles only New and used vehicles (age limits apply)
Finance term
24 to 48 months 24 to 48 months
24 or 36 months  24 or 36 months
Typical Advance Rental/Deposit Advance rental typically equal to 3 monthly rentals Zero deposit available
Zero deposit available(Maximum deposit of 35%)
Purchase price of the car less the Optional Final Payment plus the Finance Facility Fee and Interest
Fixed Monthly Payments/Rentals YES YES
YES
No monthly payments
No Responsibility For Vehicle Disposal YES NO
NO
NO
Optional Final Payment NO NO
YES YES
Flexible End Of Contract Options Return vehicle & renew Renew/Retain Renew/Retain/Return Renew/Retain/Return
Optional Maintenance/Service Package Available at additional cost
Ask your Ford Dealer Ask your Ford Dealer
Ask your Ford Dealer
Choice Of Mileage Band YES NO YES
YES
Road Fund Licence Included for the duration of the agreement Included for the first year Included for the first year Included for the first year
Fees NO Finance facility fee payable with the first monthly payment.  Purchase fee payable with tihe 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 that time.
next
prev

 

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

OTHER FINANCE PLANS

We offer a range of finance plans for business cars and commercial vehicles, as well as complete funding and management solutions for large fleets.

FINANCE FOR MY BUSINESS

Choose from a range of business vehicle finance options for cars and commercial vehicles. Designed to simplify the process of getting your business on the road.

 

Business Vehicle Finance

The girl puts the tires on the shelf
Ford Transit on the road

FINANCE FOR MY FLEET

Looking for fleet funding? Ford Fleet Management is our one-stop-shop for bespoke fleet management and funding solutions.

 

Ford Fleet Management

  • 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 Options is a hire purchase agreement with an Optional Final Payment due at the end. Your deposit (maximum 35%) and the Optional Final Payment are deducted from the price of the car. The balance plus interest is then split into equal monthly instalments depending on the length of your agreement. As Ford Options is a mileage based agreement, it is important that your anticipated mileage is reflected correctly as it cannot be changed mid-contract.

    *Ford Personal Contract Hire 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.