Personal car finance
Your car, your way
With Ford it's easy to lease or buy a car on finance. You can find and finance your new or approved-used Ford all in one place.
Find and finance your new or approved-used Ford all in one place. Choose from our range of personal car finance plans, including hire purchase and leasing. Compare, get quotes and find the plan that's right for you.
If you're looking for pay monthly cars then one of our plans could be right for you. Compare, read more and get quotes to find the personal car leasing or finance plan that's right for you below.
- Ford Options
- Ford Hire Purchase
Ford Options
Love that new car smell?
Well, Ford Options may be right up your street
Our Personal Contract Purchase Plan (PCP) where your monthly payment is lower when compared to a Ford Hire Purchase agreement of the same length and deposit.
Vehicle eligibility
New and Used Cars across the Ford range. Age limits apply.
How Ford Options works:
Deposit : -This is deducted from the price of the car
Monthly Payments : - Calculated by deducting the Deposit and Optional Final payment from the price of the car. The balance, plus any interest and fees is then split into equal monthly payments depending on the length of your agreement.
Optional Final Payment : - Also deducted from the price of the car and is due at the end of your agreement. It is the anticipated future value of your car assuming its mileage and condition is as agreed when you signed your agreement.
Features & benefits
- Fixed monthly payments
- Interest rate fixed for the duration of the agreement
- Your Optional Final Payment is the Guaranteed Minimum Future Value (GMFV) of your vehicle assuming its mileage and condition is as agreed when you signed the agreement
- Flexibility at the end of the agreement
- The option to own the car at the end of the agreement
- Your fixed monthly payment is lower when compared to our Ford Hire Purchase agreement of the same deposit and finance term.
I'm interested. What are my next steps?
Visit Ford.ie to configure your new Ford car or visit your nearest Dealer
1. Select the Ford vehicle you want to drive.
2. Choose the deposit you wish to pay typically between 10% and 30%.
3. Your Ford Dealer will ask you for your anticipated annual kilometre range.
At the end
You have three options at the end of your agreement:
Renew
Choose another car
Your chance to drive another new Ford Car. You can trade your old car in or sell it privately. Once you’ve fully settled your agreement (including the Optional Final Payment) any money left may be used as deposit for your new Ford Car.
Return
Hand the car back
Assuming all monthly payments have been made, you’ll have nothing further to pay, providing the car is in good condition and the agreed kilometre band hasn’t been exceeded.
Retain
Keep the car
If you decide to keep the car, assuming all monthly payments have been made, you just need to pay the Optional Final Payment and it’s yours to drive away.
Dealer locator
Ford Hire Purchase
Looking for a traditional form of finance?
Ford Hire Purchase is our traditional form of finance
Put a deposit followed by monthly payments - you own the car at the end of the agreement.
Vehicle eligibility
New and Used Cars across the Ford range. Age limits apply.
How Ford Hire Purchase works
Deposit: - Your deposit is deducted from the price of the car
Monthly Payments: - The balance plus any interest and fees is divided in to equal monthly payments depending on the length of your agreement.
Features & benefits
- Traditional form of car financing
- Interest rate fixed for the duration of the agreement
- Fixed monthly payments
- A choice of repayment periods ranging from 24 to 61 months
- At the end of the agreement, assuming all payments (including the Purchase Fee) have been made, you own the car.
At the end
You can own the vehicle at the end of the agreement once all monthly payments plus the purchase instalment have been made.
Dealer locator
Finance plans for personal customers
Use the comparison below to help you decide which type of financing is right for you.
Typical Deposit
| Plan Features | Ford Options | Ford Hire Purchase |
|---|---|---|
| Available from your Ford Dealer | Yes | Yes |
| Option to own the vehicle | Yes | Yes |
| Vehicle age | New and used vehicles (age limits apply) | New & Used vehicles (age limits apply) |
| Available on cars & commercial vehicles | Cars - YES, Commercial Vehicles - NO | Yes |
| Finance term | 25 or 37 months | 24 to 61 months |
| Typical deposit | 10% to 30% of the On the Road Price | min. 20% of on the road price |
| Fixed monthly payments | Yes | Yes |
| Optional final payment | Yes | No |
| Flexible end of contract options | Renew/Retain/Return | Renew/Retain |
Other finance plans
We offer a range of finance plans for business cars and commercial vehicles, as well as complete funding and management solutions for large fleets.
Finance for my business
Choose from a range of business vehicle finance options for cars and commercial vehicles. Designed to make getting your business on the road as simple as possible.
Finance for my fleet
Looking for fleet funding? Ford Fleet Management is our one-stop-shop for bespoke fleet management and funding solutions.
Important information
Bank of Ireland trading as Ford Credit is regulated by the Central Bank of Ireland. The FORD and FORD CREDIT trademarks are owned by Ford Motor Company and its affiliates are used under license.
Lending criteria and terms and conditions apply. Applicants must be aged 18 or over. The information is for illustrative purposes only and does not constitute an offer.
