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.
Check your eligibility
Planning to buy a new Ford or just exploring your options? We have a Ford Credit finance eligibility checker to assist you with your decision making.
- Ford Options
- Ford Acquire
- Ford Options Cashplan
- Ford Personal Contract Hire
Ford Options
A type of hire purchase (sometimes called Personal Contract Purchase) with an Optional Final Payment and three end of contract options.
Take a look at the video below to see how Ford Options works. You can find more information here.
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 48 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
Pay 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.
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.
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 to 48 months
- Deposit - the amount you've chosen to pay upfront
Your monthly payment can then be calculated
At the end
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.
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.
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 suits you.
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Ford Options |
Ford Acquire | Ford Options Cashplan |
Ford Personal Contract Hire |
Ford Business Contract Hire |
Customer Type |
Private individuals and small business customers |
Private individuals and small business customers |
Private individuals and small business customers |
Private individuals |
Business Customers |
Terms available (subject to current promotions) |
24 – 60 months |
24 – 60 months |
24 – 60 months |
24 – 48 months |
24 – 48 months |
Option to Return vehicle at end of agreement |
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|
(vehicle must be returned) |
(vehicle must be returned) |
Mileage based agreement? |
|
|
|
|
|
Option to own vehicle at the end of the agreement |
|
|
|
|
|
Early settlement available? |
|
|
|
(Termination Fees apply) |
(Termination Fees apply) |
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 make getting your business on the road as simple as possible.
Finance for my fleet
Looking for fleet funding? Ford Fleet Management is our one-stop-shop for bespoke fleet management and funding solutions.
Important information
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.