Get your dream car with Ford finance. Sit behind the wheel of a brand new model with low monthly payments and a custom loan term. Choose the Low Payment Plan or Traditional Ford Finance to fund the perfect car. The agreements are tailored to your budget and credit rating with SAF-approved specialists offering constant help, making the process quick and convenient.
Your regular payments will stay the same during the course of your agreement, no matter how much the Bank of England base rate fluctuates.
The vast majority of our Ford finance deals only need a small deposit of £99. Some don’t even need a deposit at all!
Easy to Arrange
It’s an easy process. There aren’t any forms to fill in. All we’ll ask is for a few basic details at the time of the sale and to bring your driving licence into us before collection.
We offer two mains types of vehicle loans to get you a Ford on finance:
The Pentagon Low Payment Plan, also known as Personal Contract Purchase (PCP), is a popular and flexible way of financing a Ford car. It’s close to Traditional Finance but the monthly payments are lower as there’s an optional final payment at the end of the loan, the Guaranteed Future Value. This reflects a percentage of the expected value of the vehicle at the end of the agreement. At this point, you can either pay the final payment to keep the car or return it back to the finance company. Using this Ford Finance option means that you can drive a higher spec model whilst paying lower monthly payments.
Part of the car’s value is deferred until the end of the agreement so the monthly payments are lower than many other Ford finance options.
Fixed Interest Rate
Other interest rates rising won’t affect the interest rate on your Ford finance repayments.
The value of your car is kept secure at the end of the loan thanks to our Guaranteed Future Value.
You have three choices at the end of the agreement. You can:
Traditional Ford Finance, also known as Hire Purchase (HP), suits those who want to keep the car for longer than the loan term. The deposit is deducted from the total cash price of the vehicle to give the balance that needs financing. Interest is added, then the price is paid in equal instalments throughout the agreement with the choice of a 2, 3, 4 or 5-year Ford finance contract. This is the most simple and popular method of getting a Ford on finance. And after the final payment is made, you own the car.
The amount you pay every month and the repayment period are fixed and will not change during the agreement.
Fixed Interest Rate
The interest on your Ford finance monthly payments are fixed and will not rise, even if other interest rates do.
Flexible Payment Terms
Choose the perfect length for a repayment period to suit your budget, with Ford finance offers between 12 and 60 months.
Low or No Deposit
There’s plenty of ways to put down a deposit on our Ford cars on finance. You can part-exchange your car and use that amount as your deposit, or skip the deposit and get finance for the whole amount.
It’s a fast, free and easy way to get the perfect Ford finance deal tailored to your credit profile.
Choose any car, new or used, then Car Finance Checker will analyse your eligibility for funding on that vehicle. It uses an advanced credit decision-making engine to predict the chances of you being approved for Ford car finance from a range of approved lenders.
This free service is without obligation and doesn’t affect your credit rating or profile.
We’re Specialist Automotive Finance (SAF) Approved, showing our commitment to increased professional standards and motor finance knowledge.
Each of our dealerships are SAF Approved. All our customer-facing employees who are involved in selling Ford finance have also completed an SAF competence test.
Representative Hire Purchase Example
|1st Monthly Payment||£326.10|
|58 Monthly Payments||£176.10|
|Final Monthly Payment||£326.10|
|Amount Of Credit||£8818.90|
|Total Amount Payable||£11042.10|
|Total Charge For Credit||£2047.10|
|Fixed Rate of Interest p.a.||3.96%|
8.9% APR Representative
Total charge for credit includes a £150 initial acceptance fee payable with the first payment and a £150 option to purchase fee payable with the final payment.
Pentagon is a credit broker and not a lender.
The limited companies trading as Pentagon are authorised and regulated by the Financial Conduct Authority to act as a credit broker. For a list of these limited companies click here. Each company acts as a credit broker, sourcing credit to assist our customers purchases from a carefully selected panel of lenders. Lenders may pay us a fee for these introductions. A guarantor may be required. All offers and credit subject to status, terms and conditions. Applicants must be 18 years or over.
The APR is dependant upon your individual circumstances, the term and loan amount.
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