New Ford Car Finance

We understand that when it comes to purchasing your new car on finance, there can be lots of questions and confusion. Our sales staff have the knowledge to help you make this decision and our in house finance specialists will guide you through the process. Our staff are all Ford trained and as a main dealer we only use finance provided by Ford Credit for our new vehicles. Watch the short video below for a good overview and read our summary of the 4 main ways to purchase or lease your dream vehicle, so you can compare each one and decide which one is right for you. All finance is subject to status. For any questions don’t hesitate to get in touch with us.

Ford Acquire

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

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:

  • 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 Personal Contract Hire

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:

  • At the end of the agreement you return the car to Ford Lease*
  • There are no part exchange or disposal issues.
  • At the end of the agreement you simply return the vehicle to us*
  • We 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.

Ford Options Cashplan

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

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.

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.

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

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.

Finance Plans for Ford Passenger Vehicles

Plan Features Ford Personal Contract Hire* Ford Acquire  Ford Options Ford Options Cashplan
Customer Type Private Individuals
Option to Own 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.

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 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. FCE Bank plc act as an insurance intermediary in relation to Ford Insure.