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Ford Finance

Ford Car Finance

Finance your next Ford with confidence. From the ever-popular Fiesta to the rugged Ranger, Happy Motor Finance helps you find affordable deals on Britain's favourite cars.

Check Your Eligibility in 60 Seconds
No Effect on Credit Score Soft Search Only FCA Regulated All Credit Types Welcome Quick Decisions Any Reputable Dealer SAF Authorised
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4.9
Google Reviews

With no impact to your credit score*

Calculate Your Finance

£6,500
£200

Estimated monthly payments

Apply Now

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

About Ford Car Finance

Ford has been a household name in the UK for over a century. The Dagenham plant, which opened in 1931, cemented Ford's place in British motoring history. Today, Ford remains one of the top-selling brands in the country, offering everything from compact city cars to capable SUVs and commercial vehicles.

Financing a Ford through Happy Motor Finance is quick and straightforward. Whether you're buying your first car or upgrading to a family-friendly model, we'll work to find a deal that keeps your monthly payments comfortable.

Popular Ford Models We Finance

Ford's extensive range means there's something for everyone. Our most commonly financed Ford models include:

  • Ford Fiesta — Britain's best-selling car for years running, ideal for new drivers and city dwellers
  • Ford Focus — A versatile family hatchback with sharp handling
  • Ford Puma — A stylish crossover SUV with a spacious boot
  • Ford Kuga — A popular mid-size SUV with hybrid options
  • Ford Mustang Mach-E — Ford's fully electric SUV for those going green
  • Ford Ranger — A rugged pickup truck for work and play

Whatever Ford suits your lifestyle, we'll help you finance it.

What Are My Finance Options?

Happy Motor Finance offers several ways to fund your Ford:

  • Hire Purchase (HP) — Pay a fixed amount each month and own the car once you've completed all payments. Simple and predictable.
  • Personal Contract Purchase (PCP) — Lower monthly payments with a final optional payment if you want to keep the car, or simply hand it back and upgrade.
  • Personal Loan — Borrow what you need and buy the car outright. Full ownership from day one.

Not sure which is right for you? Our friendly team can talk you through the options and help you decide.

Affordable Ford Finance for Everyone

One of the great things about Fords is their affordability. With a wide range of used models available, Ford finance can be surprisingly budget-friendly. Even newer models with the latest technology are competitively priced compared to other brands.

We work hard to find you a deal that fits your monthly budget, and our soft search application means you can check your eligibility without any risk to your credit score.

Why Choose Happy Motor Finance for Your Ford?

Ford is one of the most popular car brands in the UK, and for good reason — reliable, affordable, and packed with features. At Happy Motor Finance, we help thousands of customers get into Fords every year, and our simple process means you could be driving yours within days.

We believe everyone deserves the chance to own a quality car, which is why we consider all credit types. Our panel of lenders compete to offer you the best possible rate, and our team is always on hand to answer your questions.

How It Works

Getting car finance doesn't have to be complicated. Here's how our simple process works.

📝

Apply Online

Complete our quick and easy application form in just a few minutes. It won't affect your credit score.

🔍

Get Matched

We'll search our panel of lenders to find the best deal for your circumstances.

🚗

Choose Your Car

Once approved, choose any car from any reputable dealer. Our Personal Shopper service can help.

🎉

Sign & Drive

Sign your finance agreement and drive away in your new car. It really is that simple!

Start Your Application

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

Ford Car Finance FAQ

Yes, at Happy Motor Finance we welcome applications from all credit backgrounds. Many of our lenders specialise in helping people with impaired credit, so don't let past difficulties put you off applying.
The amount you can borrow depends on your income, credit history, and what you can comfortably afford. We finance Fords across a wide range of budgets, with each application assessed individually.
No deposit is required. We offer zero-deposit finance options on most Ford models. Putting a deposit down is optional but can help reduce your monthly payments.
The Ford Fiesta and Ford Ka are typically the most affordable Fords to finance. Monthly payments on these models can be very manageable.
Our finance is typically arranged through reputable dealerships. If you've found a Ford at a registered dealer, we can usually help. Contact us to discuss your options.

Ready to Finance Your Ford?

Apply now for Ford car finance. Quick, easy, and no effect on your credit score.

Apply Now

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

Our Lending Partners

Representative Example

Borrowing

£6,500

Term

60 months

Monthly Payment

£161.19

APR

16.9%

Total Amount Payable: £9,671.55

This is a representative example. The rate you are offered may differ depending on your personal circumstances.