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A red Ford Fiesta facing the right on an angle

Car finance for Fords

Spread the cost of a used Ford across monthly payments with car finance.

Car finance for Fords is ideal if you want to split the cost of your next car across monthly payments and a flexible deposit.  

There’s the option of PCP (Personal Contract Purchase) or HP (Hire Purchase) car finance plans, with payments spread across a fixed term.  

How it works

Pick the used Ford model that catches your eye and start the finance process.

Get a quote

Get a PCP or HP car finance quote and choose your deposit amount, or consider part exchange.

Apply online

You’ll supply details like your home address and affordability to get a personalised finance offer for your Ford.

Get a decision

Car finance lenders will review your application and let you know if you’ve been accepted.

Your offer

Accept your offer and put down a deposit to start your car finance term.

How much does it cost to finance a Ford?

The cost of a Ford on finance depends on:

  • how much the used Ford costs

  • your deposit amount

  • the length of the term you choose

  • the interest rate you are offered

You can also part exchange your current car to pay towards your next model.

Make sure you can commit to the term of the loan, and that you can afford the monthly payments on top of your usual spending.

Failing to pay car finance or making late payments can damage your credit score.

bad credit car finance

What you’ll need to apply for finance for Ford cars:

In the application, you may be asked for:

  • your name

  • date of birth and nationality

  • recent address history

  • employment status

  • bank details

  • driving licence – full or provisional

  • income and outgoings

Choosing HP or PCP for your Ford: what’s the difference?

HP (Hire Purchase) and PCP (Personal Contract Purchase) are types of car finance that can help you pay for a Ford.

a light blue ford fiesta st driving on a uk country lane

With HP car finance for a Ford, you:

  1. Put down a deposit

  2. Choose your car finance term

  3. Pay monthly payments over a set time

  4. Own the Ford car at the end of the plan

If you want to end the agreement early, wear and tear charges may apply.

A silver Ford Focus Estate driving on a country road

With PCP car finance for a Ford, you:

  1. Put down a deposit

  2. Choose your car finance term

  3. Pay monthly payments over a set time

  4. Keep, hand back or part exchange the Ford car at the end, with an optional final payment if you choose to keep the car

If you want to hand back the Ford, this is subject to mileage and condition (excess mileage and damage charges may apply).

If you part exchange at the end, this may be subject to paying off your existing finance agreement and new credit agreements.

It’s important to give an accurate mileage if you apply for PCP. If you go over your allowance, you’ll have to pay an excess mileage charge.

Ford car finance FAQs

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