Ford Car Finance

We give you all the information you need to know about getting a Ford on car finance.

American car manufacturer, Ford, was the second best-selling car brand in the UK in 2022, beating competitors Audi, BMW and Mercedes-Benz, and coming only behind another German manufacturer, Volkswagen, which took the top spot.

Ford is arguably one of the most well-known and successful car brands in the world, having been founded by Henry Ford at the turn of the 20th century and being a popular and consistent feature on British roads to this day.

In 2022, three Ford models made the top 10 best-selling cars in the UK, including two of its newest SUVs, the Ford Kuga and the Ford Puma, plus the classic vehicle that is sadly being discontinued, the Ford Fiesta.

Do you have a car on finance and would like to reduce your monthly repayments? Sign up with Car Credible today; we could help you save money on your deal.

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Whether you're looking for a bigger car that can fit your whole family or just a small, compact hatchback for you and your partner, Ford is one of the most versatile car brands on the market.

Not only is Ford reinventing the SUV market, but they also have a great range of electric and hybrid vehicles available to customers in the UK who are looking to save money on fuel and help reduce their carbon emissions.

Ford car finance options

Do you already have an idea of which Ford model you want to buy? Or maybe you have a specific budget you don't want to exceed? Either way, Car Credible's car finance calculator can help you understand your budget.

Once you have decided what that is, input how much you wish to borrow into our calculator. At this point, it's also a good idea to know how much deposit you can afford to put down and whether you would like a Personal Contract Purchase (PCP) or Hire Purchase (HP) finance deal.

The box that says final payment will determine which finance type you go for, as only a PCP requires you to make an optional final payment, otherwise known as a balloon payment. If you're still unsure, leave it blank, and we can discuss finance options later.

Next, we will need you to tell us how many months you wish to make your repayments. Again, this can be altered later on, but we recommend between 36-60 months as a starting point.

You should also fill in the amount of interest you could end up paying. If you know you have a good credit score, this could be between 4%-12%. However, if your credit score is moderate to poor, this could be up to 40%.

The next page will show our calculations, giving you all the information you need to know about your future car finance payment plan based on the figures you inputted. If any of the numbers shown are too high, you can return to the previous page and adjust your length of term, deposit amount, interest rate and the amount you want to borrow.

Our final page is our advice, where our advanced algorithm identifies potential saving options if you make a few adjustments. For example, you could increase your term to reduce your monthly repayments, though this would increase the amount of interest you pay.

Alternatively, you could increase your deposit to reduce the amount you repay per month or spend on interest throughout your deal. There are plenty of different advice types to help make your financial decision clearer and better for you.


Should I get a new or used Ford?

Deciding whether to get a new or used Ford is one of the most difficult decisions because they are such efficient cars that even a three-year-old model will likely be in as good and satisfactory condition as a brand-new one.

You have to weigh up your options before making the choice, and it's likely going to come down to the price and amount you are willing to pay. 

A brand-new Ford will naturally be more expensive, but you have the luxury of it being fresh, having done zero to very few miles and being able to ask for a better deal or make any modifications you want to on the vehicle.

Whereas a used car is cheaper, however, it will have done several thousands of miles, have had at least one previous owner and may not be in tip-top condition.

Having said that, if you find a Ford that has done less than 11,000 miles and looks brand new, it may be worth going for it. It depends on what you want and the amount you are prepared to pay, though.

Ford finance with bad credit

If you have bad credit, you may be concerned about whether or not you will get approved for car finance. While having poorer credit can be more challenging to find the best deal, Car Credible works with a panel of lenders, some of whom specialise in bad credit car finance.

It can be disheartening to get refused car finance, but it can also impact your credit history and future affordability. If you know you don't have the best credit score, you should research the lenders that work specifically to help those with bad credit.

Your credit history lasts for six years, so if you have missed payments in the past or been refused credit multiple times, new lenders could see that and decide that they are unable to provide you with the loan you want.

However, it doesn't have to all be doom and gloom, as even if you don't have the best credit file, there are still options out there to help you get into your dream Ford car, and Car Credible is here to help you with that.

Why should I use Car Credible?

At Car Credible, we understand that car finance can be overcomplicated and getting into the best deal possible is often not as easy as it should be. That's why we want to make car finance simple and accessible to everyone.

Whether you need a new or used Ford to take the kids to and from school or you need it to look after elderly relatives or do the weekly shopping. Whatever your needs, we want to help make buying a car on finance as easy and stress-free as possible.

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Apply for Ford car finance

Applying for Ford car finance via Car Credible is quick, and you will have access to a range of offers within a few minutes. To start, all you need to do is fill in our finance application form.

Once you have provided us with the relevant information, we can direct you to our panel of lenders, where a host of finance offers could be available. From here, you can then select the finance deal that suits you best.

Getting your free, no-obligation quote will not impact your credit score. The only time your credit score will be affected is when you officially apply for finance via one of the offers you are shown.

Once you have applied for finance, you will get allocated a dedicated account manager who can answer any questions before helping you choose the car and finance of your dreams.


Should I get a PCP or HP finance deal when buying a Ford?

If you know you would like to own your car outright at the end of the agreement, then an HP could be the better option. If you prefer a bit more flexibility and the option to switch your car every few years, then PCP would be preferred.

What are the benefits of buying a Ford online?

You get a much wider range of vehicles to choose from as opposed to a traditional in-person dealer. Not only that, you can do it all from the comfort of your own home with no pressure from a dealer for you to make a decision.