Ford PCP finance

  • No Deposit
  • We help find you the perfect car
  • PCP and HP from 8.9% APR
  • Free car history and dealer quality check
Get a Quote Does not affect credit score
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Have you been searching for great Ford PCP deals?

That’s exactly what CarMoney offers. Our handy guide will show you exactly what you can expect when you choose Ford PCP finance. If you choose PCP, we can guide you through the process and our transparent car finance service can help you get the very best Ford PCP deals on the market.

Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 17.9%, monthly payment would be £171.83, with a total cost of credit of £2,247.83 and a total amount payable of £9,247.84. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions this can either be a % of the amount borrowed or a flat fee. This does not influence the interest rate you’re offered in any way. CarMoney is a broker not a lender



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Personal Contract Purchase Explained (PCP)?

Basically, it’s a method of getting a car through a loan agreement, but it’s important to know how it differs from a hire purchase agreement. With a PCP, you pay for the depreciation of the car only, in monthly instalments. And that’s after you pay an initial deposit. When the finance terms finishes, you don’t end up owning the car; unless you want to (we’ll come to that a little later).

If you want to change cars every so often, say between 2-4 years, then a PCP car finance agreement is ideal for you. It’s for this reason that it’s a very popular car financing choice.

So with a Ford PCP finance deal, you can drive away with a new car on finance. And once you fancy an upgrade, you can easily do it. So whether you are after a Fiesta, Ka, Focus or Galaxy, you can do so with a Ford PCP deal from Car Money.

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Why choose Ford PCP finance?

We can’t drive it home enough; personal contract purchase agreements are great for drivers that want to change cars quite often. If that’s not you, and you think you’re more likely to buy the car outright, or keep it for a long time, we’d steer you in the direction of a hire purchase agreement.

Here are some more benefits of opting for a Ford PCP finance agreement:

  • Take advantage of a low initial deposit & lower monthly repayments. You could drive away a better car than you would if you choose a HP finance agreement.
  • A specified Guaranteed Minimum Future Value (GMFV), therefore protecting you from market fluctuations.

It’s a very flexible method of car finance, leaving you with a few options at the end of the agreement, with the option to buy the car outright if you’ve grown to love it.

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Your Ford PCP finance deal ends. What next?

When you take advantage of a Ford PCP finance agreement, you’ll have 3 options to think about once when the contract finishes. Let’s imagine you absolutely love the car and want to keep it. What should you do? Quite simply, you can buy the car outright with a one-off balloon payment and the car is yours.

In contrast, maybe a PCP agreement was a good fit for you, or your financial circumstances change. No problem, you can walk away at the end of the agreement, once any outstanding charges have been paid (eg. Over-mileage charge or damages).

The most popular option is to upgrade to a new car by entering into a new PCP agreement, meaning you can upgrade to another Ford or change make and model completely. It’s up to you.

That’s the beauty of opting for a Ford PCP finance deal. Get in touch today and find out how we can get the best Ford PCP deals for you. Take our Ford PCP calculator for a spin & drive away a brand new Fiesta, Ka, Galaxy or Focus!

Frequently Asked Questions

How long does it take to finance a Ford?

The time it takes to finance a Ford car can vary depending on a number of factors, including your credit score, the type of finance you choose, and the lender you apply to. However, most car finance applications can be processed and approved within 24-48 hours. If you have good credit and choose a simple type of finance you may be able to get approved for finance on the same day that you apply. However, if you have bad credit score it may take a few days or even a week for your application to be processed.

Finance Ford car without deposit?

Yes, it is possible to buy a Ford without a deposit. There are a number of car finance companies that offer zero deposit deals on Ford cars. However, it is important to note that these deals are typically more expensive than car finance deals with a deposit, as the lender will be taking on more risk. You may also need to meet stricter lending criteria to be eligible for a zero deposit car finance deal.

Which Ford should I choose to finance?

When choosing a Ford car to buy and finance, consider your needs and personal circumstances, such as budget, family size, fuel efficiency, performance, and features. Once you have considered your needs and budget, research different Ford models, such as the Fiesta, Focus, Mustang, F-150, and Escape.

How much to finance a Ford?

The cost of financing a Ford is influenced by several factors, such as your car model and equipment choice, the amount of deposit you pay, the duration of the finance, and your yearly mileage if you opt for PCP finance. We offer assistance in calculating the finance price for the car you are interested in, enabling you to make an informed decision.

How it works
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Competitive Interest Rates

Our interest rates for customers with good credit are among the most competitive in the market, so you can be confident that you’re getting a great deal on your car loan.

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Online Convenience

With our user-friendly online platforms, you can start and manage your no-deposit car finance application from anywhere, anytime.

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Quick Approvals

We make it easy to get approved for car finance with our fast and efficient approval process.

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CarMoney LIMITED is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activity and our registration number is 674094. Representative 17.9% APR. Over 18’s only. CarMoney IS A BROKER NOT A LENDER.

REGISTERED ADDRESS: Pioneer House, 2 Renshaw PL, Motherwell, ML1 4UF, Scotland.Company Number: SC467274.

All finance is subject to status and income. Written Quotation on request. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions.