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Want to make your new Ford yours? Ford Credit offers flexible ways to spread the cost of your vehicle, with options designed around how you want to drive and what you want to do at the end of your agreement.
Whether you like changing your car every few years or want to own it outright, there’s an option to suit you.
Ford Options is a Personal Contract Purchase (PCP) agreement designed for customers who like the flexibility of changing their Ford every few years.
You’ll make an initial payment followed by fixed monthly payments over an agreed term. An Optional Final Payment is set at the start of your agreement, based on the expected future value of the vehicle.
At the end of your agreement, you have three choices:
Trade in your current Ford or sell it privately. If the vehicle is worth more than the Optional Final Payment, any excess value can potentially be used towards your next Ford.
Simply return the vehicle, provided it meets the agreed mileage, is in line with fair wear and tear requirements and your account is up to date.
If you decide you want to keep your Ford, you can pay the Optional Final Payment and purchase fee, provided all other payments have been made.
If owning your Ford is your priority, Ford Acquire is a traditional Hire Purchase agreement.
You’ll make fixed monthly payments over an agreed period, with a fixed interest rate for the duration of the loan. Terms are available from 12 to 60 months and a deposit may not be required.
Once all payments have been made, you own the car.
| Ford Options | Ford Acquire | |
|---|---|---|
| Finance type | PCP | Hire Purchase |
| Ideal for | Flexibility and changing your Ford | Owning your Ford |
| Monthly payments | Fixed | Fixed |
| At the end | Renew, return or retain | Own the vehicle |
| Final payment | Optional Final Payment applies | No balloon payment |
| Agreement term | Typically 2–3 years | 12–60 months |
Not sure which option works best for you? Our team can talk you through the choices and help you understand the payments, terms and end-of-agreement options before you make a decision.
