Ford Finance Plans

Finance Plans for Business Customers

Use the comparison below to help you decide which type of financing is right for you.

Plan Features

Ford Acquire

Ford Contract Hire*

Ford Finance Lease*

Available From Your Ford Dealer YES YES YES
Option To Own The Vehicle^ YES NO NO
Vehicle Age New and used vehicles (age limits apply) New and used vehicles up to 12 months old  New and used vehicles up to 12 months old
Available On Cars And Commercial Vehicles YES YES Commercial Vehicles only
Finance Term 12 to 60 months (maximum term 48 months for Ford Acquire with balloon option) Any term, 24 to 48 months (maximum term 60 months for Commercial Vehicles) Any term, 24 to 60 months
Typical Advance Rental/Deposit Zero deposit available (VAT normally paid up front for Commercial Vehicles) Minimum one month's rental. Typically 3 month's rental

Minimum one month's rental. Typically 3 month's rental

Fixed Monthly Payments/Rentals YES YES YES
No Responsibility For Vehicle Disposal NO YES Vehicle sold on lesser's behalf. 100% of the Sales Proceeds are returned to the lessee. 
Flexible End Of Contract Options Renew/Retain Renew/Retain/Extend Renew/Retain/Resale
Balloon Option Available for Commercial Vehicles only NO Available for Commercial Vehicles only
Ford Fleet Accident Management Included Included Included
Optional Maintenance/Service Package Ask your Ford Dealer Available at additional cost Ask your Ford Dealer
Road Fund License Included for the first year Included for the duration of the agreement Included for the first year
VAT On Monthly Payments No VAT on payments but VAT on vehicle may be fully recoverable VAT registered businesses may be able to reclaim all or part of the VAT element of the monthly rental VAT registered businesses may be able to reclaim all of part of the VAT element of the monthly rental
Off Balance Sheet Funding NO YES NO
Taxation (Customers Are Advised To Seek Personal Advice) Writing down allowances may be available. Interest cost may also be offset Tax allowable rentals

Rentals allowable against taxable profits 

^Subject to all payments (including Purchase Fee) being paid. 

Ford Contract Hire 

An alternative to vehicle ownership, Ford Contract Hire* involves a low capital outlay with fixed monthly rentals and no vehicle disposal worries at the end of the agreement.

Vehicle Eligibility New and used vehicles up to 12 months old for Business Users only.
Features & Benefits 
  • Minimal capital outlay – typically three monthly rentals
  • Fixed monthly rentals to assist cash flow and budgeting
  • Rentals are tax allowable
  • Additional line of credit for your business
  • No part exchange or disposal issues – the vehicle is returned at the end of the agreement
  • Road Fund License is included for the term of the agreement
  • Vehicle breakdown cover for the UK and European travel
  • Free replacement vehicle for up to 48 hours in the event of a breakdown attended by the AA if the vehicle cannot be repaired at the roadside.
  • Includes Ford Fleet Accident Management which reduces the time that drivers and vehicles are off the road – for more details visit Accident Management
  • Optional maintenance and servicing packages (at additional cost)
How It Works

Your fixed monthly rental will depend on the following:

  • Agreement length – choose from 24 to 48 months terms (60 month available for Commercial Vehicles).
  • Annual mileage
  • The advance rental amount
  • The Ford vehicle you want to drive
At The End At the end of the agreement, you simply return the vehicle to Ford Lease, take out a new Ford Contract Hire agreement and collect the latest model. You will not own the vehicle at the end of the agreement.

Important Information 

Ford Credit is a trading Style of FCE Bank plc. Registered in England: No 772784. Registered Office: Central Office, Eagle Way, Brentwood, Essex, CM13 3AR. FCE Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm reference number 204469.

* Ford Lease, Ford Contract Hire & Ford Contract Hire with maintenance are provided by ALD Automotive Limited trading as Ford Lease, Oakwood Drive, Emersons Green, Bristol, BS16 7LB. ALD Automotive is registered in England No. 987418. For the purposes of the Data Protection Act 1998 the data controllers in relation to any information you supply are Ford Motor Company Limited, FCE Bank plc, and ALD Automotive. ALD Automotive is authorised and regulated by the Financial Conduct Authority.

The availability of tax and VAT benefits may vary subject to the facts and circumstances of individual cases and tax law is subject to change over time. Customers are therefore advised to seek professional advice with regard to taxation.

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