Ford Car Finance
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carloans 365 Make Ford Car Finance Quick & Easy
Looking for Ford finance? carloans 365 can help you finance a new or used Ford with flexible options to suit your budget.
Ford vehicles are known for practicality, reliability and value. Monthly payments can be affordable depending on the model, deposit and your credit profile. We work with a wide panel of UK lenders, including those who consider applicants with bad credit or limited credit history.
carloans 365 is an independent credit broker, not tied to Ford Credit. This means you can finance a Ford from a dealer of your choice rather than being limited to one provider.
Our application process is quick and secure. Many decisions are made within the same working day, and soft search checks may be used where possible. All finance is subject to status and affordability.
How Ford Car Finance Works
Ford finance is typically arranged using PCP or Hire Purchase.
PCP offers lower monthly payments by deferring part of the vehicle’s value. At the end of the agreement, you can return the car, pay the final amount or part-exchange.
Hire Purchase spreads the full cost of the vehicle across fixed monthly payments, leading to ownership once the agreement is complete.
What Could a Ford Cost Per Month?
Monthly payments depend on the vehicle and your circumstances.
For example, a used Ford Focus priced around £12,000 with a deposit could result in payments from around £250 per month. Newer models or SUVs like the Kuga may increase monthly payments.
These figures are illustrative and will vary depending on your profile.
How much can you afford to
spend on a car?
How much can you afford to
spend on a car?
Our rep APR is 20.9% We act as a broker, not a lender.
Representative Example:
Borrowing £7,500 over 60 months at a Representative APR of 20.9%, 60 monthly repayments of £202.21, total amount repayable: £12,132.60, total interest payable: £4,632.60.
carloans 365 is a trading name of HT Finance Ltd. Company Number 11481948 registered address: carloans 365, Floor 2, Jackson House, Sibson Street, Sale, M33 7RR. HT Finance Ltd is authorised and regulated by the Financial Conduct Authority, under reference No. 821383 All finance is subject to status, terms and conditions apply. We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work with. This commission is a fixed payment or percentage but can vary by partner. This does not impact the rate you are provided, full information on request. We do not charge a fee for our services.
Bad Credit Ford Car Finance
Having bad credit does not automatically mean you cannot get Ford finance.
At carloans 365, we work with a panel of UK lenders who understand that not everyone has a perfect credit history. Many customers have experienced issues such as missed payments, defaults, CCJs or a limited credit profile at some point. Lenders will often look beyond these factors and focus on your current financial situation and affordability.
This means if you have a stable income and can comfortably manage the repayments, there may still be finance options available to you. Every application is assessed individually, so even if you have been declined elsewhere, it may still be worth applying.
While interest rates may be higher where there is a history of credit issues, finance is not based on your past alone. Lenders will usually consider things like your employment status, income, and recent financial behaviour when making a decision.
The process is straightforward. You complete a quick, secure online application, we search our lender panel, and we present any suitable options available to you. Where possible, we carry out a soft search first so you can check your eligibility without impacting your credit score.
If you are unsure about your chances, applying can help you understand what may be available based on your current circumstances.
How to Apply for Ford Finance
Apply online by completing our secure form. We review your details, search our lender panel and present suitable options.
Once approved, you can select your vehicle and finalise your agreement.
Choosing the Right Ford
Ford offers a wide range of vehicles including the Fiesta, Focus, Puma and Kuga.
Consider your lifestyle, mileage and running costs when choosing a vehicle. If buying used, check the history and condition carefully.
Managing Your Ford Finance Agreement
You will manage your agreement directly with your lender, including payments, account access and settlement options.
If you experience payment difficulties, contact your lender as early as possible.
Ready to Apply for Ford Finance?
If you’re looking for Ford finance in the UK, carloans 365 can help you find a suitable option.
Apply today to see what may be available. If you need more information, our dedicated team is happy to walk you through each step of the process and help you understand any information you may need. Just call us on 0161 410 3365!
carloans 365 is a credit broker, not a lender. Finance is subject to status and affordability.
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Frequently Asked
Questions
All of the lenders we work with offer finance options that require no deposit. Deposits may sometimes be requested. If they are, your account manager will let you and explain the reasons why. Should a deposit not be an option we can always look at other car options.
Making an initial enquiry will not leave a hard check on you credit profile. The lender(s) we submit your application to will conduct a ‘soft search’ in order to pre-approve your application. These searches will show on your credit profile but are only visible to you. A ‘hard search’ will only be carried out should you wish to proceed with any quotation provided to show the live credit agreement you have taken out.
Our open and honest approach means that your account manager will offer you the best pre-approval rate we manage to obtain for you from the outset. We will not offer your application to the highest bidder and always have your best interests at heart throughout our process.
You can purchase a car from any dealer we class as ‘reputable’. We will conduct any necessary checks on the dealer to make sure they are up to our standards giving you confidence in the vehicle you’re purchasing.
We are currently able to offer Hire Purchase agreements, most known as HP. Hire Purchase is a loan attached to the vehicle, designed so that you own 100% of your vehicle at the end of your contracted payments (usually subject to a small option to purchase fee). The balance of the loan is paid over the pre-agreed contract length, the most common term for such loans is between 48 & 60 months. We also have other products available such as conditional sale, lease purchase and personal contract purchase. Your dedicated Account Manager will go through all options available to you. (Subject to status)
We work with a panel of lenders who could offer finance for all credit ratings no matter if your credit is bad! Some of which specialise in securing finance for bad credit. These loans can also work as a great way to boost your credit worthiness for when you next apply for finance. Click ‘Get a quote’ and let us work to secure the best finance offer for you.
Of course, once we have found the vehicle you wish to proceed with, we will negotiate a figure for you part-exchange with the dealer you are purchasing your new car from. You can then simply drop your old car off and drive away in your new one.
If your application is straight forward and you have already seen a car you wish to purchase, then you could collect your vehicle the same day (depending on the lender). If you are in a hurry to get in your new car, please let your account manager know and we will do our best to ‘FastTrack’ your application.
Not answered your question? Get in touch on 0161 410 3365!
