Brand Finance

Ford Finance

Britain's best-selling brand

2.9%
Typical APR
12–60
Months
3
Finance products

About Ford Finance

Ford holds a formidable position in the UK automotive market, historically leading the commercial vehicle sector with the Transit range while maintaining strong passenger car sales with models like the Puma. The brand commands over 30% of the UK light commercial vehicle segment. Buyers range from families and commuters to fleet operators and tradespeople. Ford's captive finance arm operates as Ford Credit under the legal entity FCE Bank plc. The most popular retail financing route is Ford Options, a PCP scheme with lower monthly instalments and a final optional balloon payment. Ford Acquire, a traditional HP agreement, is also widely used, particularly among commercial buyers seeking outright ownership.

Finance Facts

Finance provider FCE Bank plc (Ford Motor Company)
Products
  • Ford Options (PCP) — Flexible terms and lower monthly payments with an optional final balloon payment to retain, return, or renew the vehicle.
  • Ford Acquire (HP) — Deposit and fixed monthly instalments leading to outright vehicle ownership at end of term.
  • Ford Personal Contract Hire (Lease) — Fixed monthly rentals after an advance payment, with the vehicle returned at end of contract.
Representative APR 0% – 2.9% (typical 2.9%, as of 2026-03)
2.9% APR for a 48-month Ford Options PCP on a New Ford Puma Gen-E Select. 0% APR available on select electric models.
Term range 12 – 60 months

APR Comparison

How Ford’s representative APR compares to UK personal loans (BoE) and the broker market average.

Ford's promotional rates (2.9% on the Puma Gen-E, 0% on the electric Capri) undercut both UK personal loans (~4.1%) and the broker average (~3.95%). However, standard non-promotional rates on used vehicles may exceed these benchmarks, and manufacturer deals typically require purchasing a brand-new vehicle with specific terms.

Customer Sentiment

2.0/ 5 from 1,028 Trustpilot reviews

Common positives

  • + Helpfulness of dealership staff
  • + Sensible customer service for EV issues

Common complaints

  • − Long wait times for vehicle service
  • − Unreliable vehicles and electrical faults

Data as of 2026-04-11

Regulatory Notes

  • 2026: FCE Bank plc raised its provision to £155 million ahead of the FCA's anticipated industry-wide redress scheme regarding historical discretionary commission arrangements. [source]

Calculate Your Ford Finance

Run any Ford price through all three finance modes. See monthly payment, total payable, and total cost of credit side by side.

Your details

£
£
months
%
%

PCP result

Total Amount Payable

£29,386.98

This is the total that leaves your account — deposit + all payments + balloon

Representative Example

On-the-road price£25,000.00
Customer deposit£3,000.00
Amount of credit£22,000.00
Number of monthly payments48
Monthly payment£341.40
Optional final payment£10,000.00
Total amount payable£29,386.98
Total cost of credit£4,386.98
Representative APR6.9%
Annual mileage10,000
Compare all three finance types for this car