PLANS THAT WORK FOR YOU
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.
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, Contact us
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.
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.
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
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
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.
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 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.
We 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
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 commercial vehicle
Monthly Payments : Calculated by deducting the Deposit and Optional Final payment from the price of the commercial vehicle. 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 commercial vehicle and is due at the end of your agreement. It is the anticipated future value of your commercial vehicle assuming its mileage and condition is as agreed when you signed your agreement.
You have three options at the end of your agreement:
Renew
Return
Retain
Finance subject to status. Guarantees may be required. Freepost Ford Credit. Useage is restricted to certain business types.
Useage is restricted to certain vehicle types. Please contact us for more information.
Once you have chosen the vehicle you want to buy then you will need to make a few decisions about your:
VAT registered commercial vehicle customers must pay the VAT amount in full with the deposit.
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.
Take a look at the video to see how it works
Advance Payment:
Optional Final Payment:
You have three options at the end of your agreement:
Renew
Return
Retain
Finance subject to status. Guarantees may be required. Freepost Ford Credit.
Ford Acquire is our original hire purchase plan for customer interested in commercial vehicle ownership. There is an option to add a balloon to reduce your monthly payments versus Ford Acquire.
Take a look at the video to see how it works
Video
Deposit: This is deducted from the price of the vehicle.
Monthly Payments: These are calculated by deducting the deposit from the vehicle price. Any interest and fees are added to the balance and then split into equal monthly payments.
Final balloon: If you have chosen to add a balloon then this is your final payment and is based on the mileage band and contract term you chose at the start of the agreement.
At the end of the agreement, assuming all payments including the Purchase Fee have been made, the vehicle belongs to your business
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
Video
Ford Contract Hire* is an alternative to vehicle ownership. Low capital outlay and tax allowable rentals*.
Take a look at the video below to see how Ford Contract Hire works.
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.
We 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.
A lease plan where you sell the commercial vehicle at the end of the agreement and any sales proceeds are returned to you.
Take a look at the video below to see how Ford Finance Lease works.
You pay an advance rental, followed by fixed monthly rentals. You may further reduce your rentals by choosing the Ford Finance Lease with balloon option..
Your fixed monthly rental will depend on the following:
At the end of the agreement, you are responsible for selling the commercial vehicle on behalf of Ford Lease by choosing one of the following options:
You may extend your agreement by paying a nominal peppercorn rental of £100+VAT per year.
If you have taken the balloon option, you must settle the balloon amount with Ford Lease at the end of the primary term.
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.
| Plan Features | FORD ACQUIRE |
FORD OPTIONS† |
FORD |
FORD CONTRACT HIRE* |
FORD FINANCE LEASE* |
| Customer Type | Private individuals and business customers. Some business types are excluded from Ford Options and Ford Options Cashplan. See ford.co.uk/finance/support/business-finance for a full list | Business Customers Only | |||
| Manage your Account 24/7? | YES | YES | YES | NO | NO |
| Option To Own The Vehicle** |
YES | YES |
YES |
NO | NO |
| Finance Term | 24 to 48 months (maximum term 60 months for Ford Acquire) | 24, 36 & 48 months | 24 & 36 months | 24 to 60 months | |
| Typical Advance Rental/Deposit |
Zero deposit available (VAT normally paid up front) |
Advance Payment | Minimum one month's rental. Typically 3 month's rental |
||
| No Responsibility For Vehicle Disposal |
NO | NO | NO | YES | NO |
| Flexible End Of Contract Options |
Renew/Retain |
Renew / Retain/ Return |
Return vehicle and Renew | Return vehicle and Renew | |
| Balloon Option |
YES | Optional Final Payment |
NO | YES | |
| Optional Maintenance /Service Package |
Ask your Ford Dealer |
Available at additional cost | Ask your Ford Dealer | ||
| Road Fund License |
Included for the first year |
Included for the first year |
Included for the duration of the agreement |
Included for the first year |
|
| VAT On Monthly Payments |
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 | |||
| 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. |
NO | NO | ||
| Taxation (Customers Are Advised To Seek Personal Advice) |
Writing down allowances may be available. Interest cost may also be offset |
Rentals allowable against taxable profits |
|||
| Commercial Line of Credit | YES | YES | YES | NO | 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.
Ford Finance Lease: Ford Lease is the legal owner of the vehicle and the customer is the registered keeper of the vehicle. The customer is responsible for any service, maintenance and repair costs, 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.