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HP and PCP available, subject to status
Finance for used Fords from verified UK dealers
Representative 19.8% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. ?We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
*A soft search has no impact on your credit score. If you choose to proceed with a full application, a hard search will be carried out which may impact your credit score.
Ford has one of the widest model ranges of any manufacturer, which means there is a Ford to suit most budgets on finance. A used Fiesta or Focus will cost significantly less per month than a used Ranger or Mustang Mach-E.
The monthly cost depends on the model, the amount you borrow, the term length, and the APR you are offered. The rate you are offered depends on your individual circumstances, including your credit history, income, and the amount you want to borrow. Rates start from 9.9% APR. Representative 19.8% APR.
Ford is one of the most commonly financed brands in the UK, partly because the used market is so deep. There are more used Fords available than almost any other brand, which means competitive pricing and good availability.
Use the calculator further down this page to estimate monthly payments based on the price of the Ford you are looking at.
Wondering how much car finance you can get on your salary? Use our calculator to estimate monthly payments based on the car price, your credit grade and preferred term length.
Ford is one of the most popular brands to finance in the UK. Whether you are looking at a used Fiesta or a used Kuga, HP and PCP are both available via Brumble. Once approved, you can get your car from any verified UK dealer. Here are some of the most commonly financed Ford models.
Ford Fiesta
One of the UK's all-time best sellers. Used Fiestas are widely available and affordable to finance, insure, and run.
Ford Focus
A practical family hatchback with strong used availability. A popular choice for drivers who want space without the size of an SUV.
Ford Puma
Ford's compact crossover combines SUV styling with hatchback running costs. Used examples are becoming more common as early agreements end.
Ford Kuga
A mid-size family SUV available as a mild hybrid, full hybrid, or plug-in hybrid. Used Kugas can offer a lot of car for the money.
Ford Ranger
The UK's best-selling pick-up truck. Used Rangers have a reputation for holding their value and are popular with both commercial and lifestyle buyers.
Ford Mustang Mach-E
Ford's fully electric SUV. Used Mach-Es are starting to appear on the market at more accessible price points.
The amount you can finance depends on your individual circumstances. Subject to status and affordability.
With HP (Hire Purchase), you make fixed monthly payments and own the Ford at the end of the agreement. There are no mileage limits, which makes HP particularly popular with Ranger owners who use their vehicle for work and personal driving.
Once you have made the final payment and paid a small option-to-purchase fee, the Ford is legally yours. You can then sell it, trade it in, or keep driving it with no further payments.
Find out more about HP car finance →
Ford PCP is a popular way to finance a used Ford. Your monthly payments are typically lower than HP because you are only paying for the depreciation, not the full value of the car. At the end of the agreement, you have three options: hand the car back, pay the balloon payment to keep it, or use any equity towards your next car.
Ford models like the Fiesta, Focus, and Puma have a reputation for holding their value on the used market. If your Ford is worth more than the balloon payment at the end, that equity is yours.
Ford PCP is often available across the range, including on the Fiesta, Focus, Puma, Kuga, and Ranger, subject to status. Each model has different residual values, which affects the balloon payment and monthly cost.
Find out more about PCP car finance →
With both HP and PCP, you have the right to end the agreement early. Voluntary termination is available once you have paid at least half of the total amount payable. You can also settle the agreement early by paying the remaining balance.
Both HP and PCP may be available with no deposit on many Ford models, subject to status and affordability. A deposit is not required, though putting one down could reduce your monthly payments.
Via Brumble, you can check what HP and PCP options you could be eligible for with a soft search. There is no impact on your credit score. If you then choose to proceed with a full application, a hard credit search will be carried out which may impact your credit score.
Leasing and finance are different products. With a lease, you never own the car. With finance (HP or PCP), you have the option to own it.
With HP, the Ford is yours at the end. You can keep driving it, sell it, or trade it in. Ford models like the Fiesta and Focus are known for being reliable and economical, so keeping one long-term could be a practical option.
With PCP, you can build equity. If your Ford holds its value and the used car market remains favourable, the car could be worth more than the balloon payment at the end. That difference is yours to keep or put towards your next vehicle. Leasing removes that opportunity entirely.
Both HP and PCP give you the right to end the agreement early through voluntary termination or early settlement. With a lease, early exit usually involves significant penalties.
Finance also has no restrictions on how you use or modify your Ford. Leasing agreements typically require the car to be returned in its original specification.
Yes. Both HP and PCP may be available on used and second hand Fords from verified UK dealers. Via Brumble, you can finance a used car from any verified dealer across the UK.
Most lenders allow the car to be up to around 14 to 16 years old at the end of the agreement, though this varies. Given how many used Fords are on the market, you are likely to have good availability at most price points.
Ford is one of the most affordable brands to run in the UK. Parts are widely available and relatively inexpensive, servicing costs are competitive, and insurance groups tend to be lower than premium brands. This could make a used Ford a practical choice on finance.
If you need a Ford van, the Transit and Transit Custom are also available on finance via HP and PCP. See our van insurance page for cover options.
Before financing any used car, it is worth checking its history. Our MOT checker shows past test results and advisories. Our tax and ULEZ checker confirms road tax status and clean air zone compliance. You can also check Ford reliability data on our Ford reliability report.
Whether you are approved depends on your individual circumstances, not the brand of car. Lenders assess your credit history, income, outgoings, and affordability.
Ford is often one of the more accessible brands to finance simply because there are so many affordable used models available. A used Fiesta at £8,000 is a much smaller commitment than a used BMW at £25,000, which can make approval easier for applicants on tighter budgets.
Being declined elsewhere does not necessarily mean every lender will say no. Different lenders have different criteria. Via Brumble, your application can be matched against a panel of lenders.
If you have a lower credit score, see our bad credit car finance page. If you need finance with no money down, see our no deposit car finance page. If you receive benefits, see our car finance on benefits page.
According to DVSA MOT data analysed by Brumble, Ford has a national MOT pass rate of 68.7%, based on 3.90 million tests in the 2025 test year. The national average across all brands is 72.4%.
This places Ford below the national average of 72.4%. This does not mean every used Ford will have problems, but it may be worth paying particular attention to the car's service history and MOT record before committing to finance. A well-maintained example could still be a reliable choice.
The most common MOT advisory and failure items on Ford vehicles include suspension components, brake pads, and lighting issues. Checking these areas before purchasing could help you avoid unexpected costs during your finance agreement.
Our free MOT checker lets you look up any vehicle's full MOT history by registration number. For a more detailed assessment, our Ford reliability report breaks down pass rates by model, age, and mileage.
Source: Brumble analysis of DVSA anonymised MOT test results, 2025 test year. Published under Open Government Licence v3.0.
Ford occasionally runs 0% finance promotions on selected new models through their dealership network. These are manufacturer-subsidised offers and are not available all the time.
These promotions, sometimes described as zero interest or 0% APR, are typically limited to specific new models and require an excellent credit score. They are not available on used cars.
If a 0% promotion is not available for the model you want, Brumble's partner offers used car finance as an alternative. Rates start from 9.9% APR, subject to status.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR) - with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityThere are lots of ways to approach car finance, and the right option depends on your circumstances. Whether you have bad credit, need a no deposit option, or just want to understand PCP vs HP, we have a guide for you.
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Guide
Understand the key differences between PCP and HP finance, so you can pick the option that suits how you plan to use the car.
Guide
A plain-English overview of how car finance works in the UK, including deposit, APR, terms, and what happens at the end of the agreement.
Compare Ford car insurance quotes from 130+ UK insurers.
Thinking of selling your car? Get a free valuation via our partnership with Motorway.
Common questions about Ford car finance.
Start by checking what you could be eligible for via a soft search. This takes a few minutes and has no impact on your credit score. Once you know what is available, you can find the Ford you want from any verified UK dealer. Subject to status and affordability.
It depends on the age and price of the Fiesta, the term length, and the APR you are offered. Used Fiestas are among the most affordable cars to finance in the UK. Use the calculator on this page to estimate payments based on your circumstances. Representative 19.8% APR.
Yes. The Ford Ranger may be available on both HP and PCP through our partner, as long as it is purchased from a verified UK dealer. HP is often the preferred choice for Ranger owners as there are no mileage limits. Subject to status.
It may be possible. Some lenders consider applicants with lower credit scores. Ford models tend to be more affordable than premium brands, which may make approval more straightforward for smaller amounts. A soft search lets you check with no risk. Subject to status.
Monthly payments depend on the price of the car, not the brand. A used Ford Fiesta at £8,000 will cost less per month than a used BMW 3 Series at £25,000. Ford parts and servicing also tend to be cheaper, which helps keep overall running costs lower.
Many finance options are available with no deposit, subject to status and affordability. A deposit is not required, though putting one down could reduce your monthly payments and the total cost of credit.
Ford stopped producing the Fiesta in 2023, but there are still plenty of used Fiestas available on the market. It was one of the UK's best-selling cars for decades, so supply is strong and prices are competitive. HP and PCP may both be available on used Fiestas.
Yes. You can request a settlement figure from your lender and pay off the remaining balance at any time. With HP, you also have the right to voluntary termination once you have paid at least half of the total amount payable.
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