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Choose from a range of finance plans for cars and commercial vehicles, designed to simplify the process of getting a new Ford on the road.
Explore our business vehicle leasing and contract hire options. Or, if you prefer to own at the end of your term, consider a personal contract plan with Ford Options or hire purchase with Ford Acquire. See our comparison table below to compare our business vehicle finance plans.
If you are looking to finance a Commercial Vehicle, use our Help Me Choose tool to help find a finance plan to suit your business needs
Ford Acquire is our traditional Hire Purchase product for car customers who are interested in ownership. Once all monthly payments are made (including the Purchase Fee), your business will own the car. Take a look at the video to see how it works or find more information here.
At the end of the agreement, assuming all payments including the Purchase Fee have been made, the vehicle belongs to your business
To find out more, and for help choosing which vehicle you want, find your local dealer
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.
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.
You have three options at the end of your agreement:
Renew
Choose another car
The chance for your business to have 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 for your business, 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.
Visit ford.co.uk to configure your new Ford car or visit your nearest Dealer
Once you have chosen the vehicle your business wants to buy then you will need to make a few decisions about your:
Your monthly payment can then be calculated
The car belongs to your business at the end of the agreement assuming all payments plus the purchase fee have been made.
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.
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.
You have three options at the end of your agreement:
Renew
Choose another car
The chance for your business 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
Your business will 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 for your business, 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.
Visit ford.co.uk to configure your new Ford car or visit your nearest Dealer
Once you have chosen the vehicle your business wants to buy then you will need to make a few decisions about your:
Your dealer will then calculate your Advance Payment
Ford Contract Hire* is an alternative to vehicle ownership, with the option to include a Service, Maintenance and Repair plan for additional peace-of-mind
Take a look at the video below to see how Ford Contract Hire works. You can also find more information here.
You pay an advance rental, followed by fixed monthly rentals and return the vehicle to Ford Lease at the end of your agreement.
Your fixed monthly rental will depend on the following:
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 needs and provide you with a new finance quote. If you are interested then you take out a new Ford Contract Hire agreement and collect the latest model***.
Business users only. You will not own the vehicle at the end of the agreement.
*** Further costs may apply subject to mileage and condition. Restrictions apply.
Ford Lease 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.
Your Ford Dealer will be able to provide you with an instant quotation showing your advance rental (typically three monthly rentals) and your monthly rental
For additional peace-of-mind, choose the optional service, maintenance and repair package for an additional monthly fee. Your fixed monthly rental will include the following**:
** Subject to Fair Wear and Tear.
Why Choose a Commercial Line of Credit?
Business Users Only.
Take a look at the video below and find out more about a Commercial Line of Credit
Use the comparison below to help you decide which type of financing is right for you.
FORD ACQUIRE |
FORD OPTIONS† |
FORD OPTIONS
|
FORD CONTRACT HIRE* |
|
| Customer Type | Private individuals and business customers. Some business types are excluded from Ford Options and Ford Options Cashplan. |
Private individuals and business customers. Some business types are excluded from Ford Options and Ford Options Cashplan. |
Private individuals and business customers. Some business types are excluded from Ford Options and Ford Options Cashplan. |
Business customers only |
| Option To Own The Vehicle^ | YES |
YES | YES |
NO |
| Finance Term | 24 to 60 months |
24 & 36 months |
24 & 36 months |
24 to 48 months |
| Typical Advance Rental/Deposit | Zero deposit available |
Zero deposit available |
Advance payment (see Ford Options Cashplan page ) |
Minimum one month's rentalTypically 3 month's rental |
| Fixed Monthly Payments/Rentals | YES |
YES | No monthly payments |
YES |
| No Responsibility For Vehicle Disposal | NO | NO | NO | YES |
| Flexible End Of Contract Options | Renew/Retain |
Renew/Retain/Return |
Renew/Retain/Return |
Renew/Return |
| Optional Final Payment | NO | YES | YES |
NO |
| Optional Maintenance/Service Package | Ask your Ford Dealer |
Ask your Ford Dealer |
Ask your Ford Dealer |
Available at additional cost |
| Road Fund License | Included for the first year |
Included for the first year |
Included for the first year |
Included for the duration of the agreement |
| VAT On Monthly Payments | No VAT on payments but VAT on vehicle may be fully recoverable | No VAT on payments but VAT on vehicle may be fully recoverable | No VAT on payments but VAT on vehicle may be fully recoverable | VAT registered businesses may be able to reclaim all or part of the VAT element of the monthly rental |
| Taxation (Customers Are Advised To Seek Personal Advice) | Writing down allowances may be available Interest cost may also be offset |
Writing down allowances may be available Interest cost may also be offset |
Writing down allowances may be available Interest cost may also be offset |
Tax allowable rentals |
| Fees | Finance Facility Fee payable with the first monthly payment. Purchase Fee payable with the 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 the time. | Finance Facility Fee payable with the first monthly payment. Purchase Fee payable with the 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 the time. | Finance Facility Fee payable with the first monthly payment. Purchase Fee payable with the 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 the time. | NO |
* Ford Lease 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.
The availability of tax and VAT benefits may vary subject to the facts and circumstances of individual cases and tax law is subject to change over time. Customers are therefore advised to seek professional advice with regard to taxation.
† 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 Acquire, Ford Options and Ford Options Cashplan: your business will own the vehicle once all payments (including the final balloon where applicable and the Purchase fee) have been made.
Ford Contract Hire: Ford Lease is the legal owner of the vehicle. However, the customer is responsible for any service, maintenance and repair costs (unless covered by an optional maintenance agreement) plus any additional costs such as parking fines, traffic violations or accident damage.
Business users only
We also offer personal car finance for your new or approved-used Ford, as well as complete funding and management solutions for large fleets.
Found your ideal new or approved-used Ford? We have a range of personal car finance plans available to Ford owners. So, you can find and finance your car all in one place.
Looking for fleet funding? Ford Fleet Management is our one-stop-shop for bespoke fleet management and funding solutions.
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 Lease 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.
The availability of tax and VAT benefits may vary subject to the facts and circumstances of individual cases and tax law is subject to change over time. Customers are therefore advised to seek professional advice with regard to taxation.
† 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.
