Ford PCP Car Finance

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At Clifton Private Finance, we specialise in delivering tailored Personal Contract Purchase (PCP) finance solutions for Ford vehicles, ranging from compact city cars to versatile family models and cutting-edge electric SUVs. Whether you’re considering the popular Ford Fiesta, the spacious Ford Kuga, or the electrified Ford Mustang Mach-E, our team ensures access to the most competitive rates and finance packages to match your needs.

Through independent market comparisons, we connect you with the best PCP packages, often securing financing within hours. Here's how we make Ford ownership more accessible:

• Flexible Finance Options: In addition to PCP, we provide Hire Purchase (HP), Lease Purchase, and unsecured loan solutions.
• Competitive Rates: We source cost-effective financing options that frequently outperform dealership offers.
• Customised Packages: Finance plans tailored to your budget, lifestyle, and chosen Ford model.
• Repayment Flexibility: Payment terms extending up to 10 years for comfortable monthly instalments.
• Options for New and Used Models: Whether you're looking for a brand-new Ford or a pre-owned vehicle, we ensure a perfect financing fit.

Start your journey toward Ford ownership today. Contact us for a personalised quote or use our finance calculator to explore your options.

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Why Choose PCP Car Finance for Your Ford?

Ford models are typically associated with reliability, innovation, and versatility, offering a wide range of models to suit every lifestyle. Personal Contract Purchase (PCP) finance enhances Ford’s accessibility by breaking the total cost into affordable monthly payments.

PCP is an ideal solution for drivers seeking financial flexibility and modern convenience. It offers significantly lower monthly instalments compared to traditional car loans, making it easier to drive a Ford vehicle that meets your needs. At the end of the agreement, you can:

• Make a final balloon payment to take full ownership.
• Return the car with no additional costs, provided mileage and condition standards are met.
• Upgrade to a new Ford model with a renewed PCP agreement.

Whether you’re seeking the compact agility of the Fiesta or the electrified performance of the Mustang Mach-E, PCP finance adapts to your driving goals and budget.

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How PCP Works for a Ford

PCP finance is designed to simplify and streamline car ownership while offering unparalleled flexibility. Here's how the process works:

• Initial Deposit: Typically 10–20% of the car’s value, this upfront payment secures your PCP agreement.
• Monthly Payments: Lower than other finance options since you’re only paying for the car's depreciation during the contract.
• Final Balloon Payment: At the contract’s end, you can either:P ay this amount to purchase the car. Return the vehicle. Use it as a trade-in for a new Ford PCP deal.

This structure ensures you enjoy the benefits of driving a Ford without the immediate financial burden of outright ownership.

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Ford Models Eligible for PCP in the UK

Ford’s lineup offers vehicles for all needs, from practical city cars to cutting-edge electric SUVs. Here are some popular Ford models eligible for PCP finance in the UK:

• Ford Fiesta: Starting at £15,000, this beloved hatchback delivers agility and efficiency. Powered by a 1.0L EcoBoost engine with 125bhp, it accelerates 0-60 mph in 9.0 seconds with an impressive fuel economy of 55.4mpg.
• Ford Focus: With prices from £20,000 to £30,000, this family-friendly car balances style with performance. It features a 2.0L EcoBoost engine, 250bhp, a 0-60 mph time of 6.5 seconds, and a fuel economy of 40.9mpg.
• Ford Kuga: Starting at £25,000, the Kuga SUV combines spaciousness with sporty handling. It boasts a 2.0L EcoBoost engine, 245bhp, a 0-60 mph time of 7.5 seconds, and a fuel economy of 38.7mpg.
• Ford Mondeo: At £28,000, this premium sedan offers comfort and versatility. Its 2.0L EcoBoost engine produces 240bhp, reaching 0-60 mph in 7.7 seconds, with a fuel economy of 39.2mpg.
• Ford Puma: Starting at £22,000, the Puma combines compact SUV convenience with dynamic performance. Powered by a 1.0L EcoBoost engine with 155bhp, it achieves 0-60 mph in 7.4 seconds and a fuel economy of 47.8mpg.
• Ford Mustang Mach-E: Priced at £50,000, this all-electric SUV offers a thrilling driving experience. With a 90kWh battery, it accelerates 0-60 mph in 5.1 seconds and provides a range equivalent to 124mpge.

Our experts will help you secure competitive PCP packages tailored to your chosen Ford model.

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Comparing PCP to Other Car Finance Options for Ford

Choosing the right car finance plan ensures your Ford ownership is as seamless as possible. Below is an overview of key methods such as Personal Contract Purchase (PCP), Hire Purchase (HP), Personal Contract Hire (PCH), unsecured loans, and credit cards:

Personal Contract Purchase (PCP):

• Advantages: Lower monthly payments, flexibility to keep, return, or upgrade.
• Considerations: Mileage and condition restrictions apply; ownership depends on the balloon payment.

Hire Purchase (HP):

• Advantages: Ownership after fixed payments, no mileage restrictions.
• Considerations: Higher monthly payments as the full car value is financed.

Personal Contract Hire (PCH):

• Advantages: Regular model upgrades, often includes maintenance.
• Considerations: No ownership option, usage restrictions.

Unsecured Loans:

• Advantages: Immediate ownership, no usage restrictions.
• Considerations: Higher interest rates and credit requirements.

Credit Cards:

• Advantages: Ideal for deposits or extras, short-term 0% interest promotions.
• Considerations: Impractical for full car purchases due to credit limits.

 Here's a handy quick-guide table to review, and compare, between the many options available when it comes to financing Ford Models and Vehicles

 

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Choosing the Right Option – PCP Finance for Ford

When considering the best financing option for a Ford, it’s crucial to align your choice with your financial goals and driving preferences. Ford offers a wide range of vehicles, from nimble hatchbacks to powerful SUVs and innovative electric models, making the right finance plan essential to secure your ideal car. Here's an overview of when each financing method may be most suitable:

When to Choose PCP (Personal Contract Purchase):

• Affordable Monthly Payments: Perfect for budget-conscious drivers looking to lower monthly costs by financing only the vehicle’s depreciation.
• Flexibility to Upgrade: Great for those who enjoy upgrading to Ford’s latest technology and designs every few years.
• Ownership Options: Pay the final balloon payment to own the car outright. Return the vehicle with no further obligations (subject to mileage and condition terms). Trade it in to start a new PCP agreement.

When to Choose HP (Hire Purchase):

• Long-Term Ownership: Ideal for drivers who plan to keep their Ford and own it outright after completing fixed monthly payments.
• No Mileage Limits: Excellent for those who drive frequently or cover long distances.
• Predictable Terms: Offers simple and consistent payments over a defined term.

When to Choose PCH (Personal Contract Hire):

• Frequent Upgrades: Suited for drivers who prefer leasing the newest Ford models without the commitment of ownership.
• Inclusive Costs: Typically covers maintenance and road tax, simplifying budgeting.
• Hassle-Free Return: At the end of the lease, return the car without concerns about resale or depreciation.

When to Choose an Unsecured Loan:

• Immediate Ownership: Allows for outright purchase, granting full ownership from the outset.
• No Restrictions: No mileage or condition limits to manage.
• Flexible Repayment Terms: Enables spreading the cost over several years to suit your budget.

When to Use a Credit Card:

• For Deposits or Extras: An excellent choice for smaller expenses like deposits or optional upgrades, particularly with 0% interest offers.
• Short-Term Financing: Works well for manageable amounts, but avoid using for full vehicle financing due to credit limits and interest rates.
• Supplementary Option: Can be combined with other finance methods for added flexibility.

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GAP Insurance for Added Protection

GAP insurance is a valuable addition to your PCP agreement, providing peace of mind against unforeseen circumstances. It covers the difference between your car’s market value and the remaining balance on your finance agreement in case of total loss.

Key Benefits:

• Financial Security: Protects you from potential shortfalls.
• Comprehensive Coverage: Complements your car insurance.
• Added Confidence: Especially important for high-value vehicles.

We can help arrange tailored GAP insurance alongside your PCP plan.

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How to Apply for Ford PCP Finance

Our process ensures quick and straightforward access to PCP finance for your Ford:

• Get in Touch: Share details about your chosen model, deposit, and preferred terms. Contact us by phone or online inquiry form.
• Receive a Personalised Quote: Explore tailored finance packages with clear breakdowns of costs.
• Approval Process: Submit required documents like proof of income and ID. Approvals typically take 24–48 hours.
• Drive Away: Finalise paperwork and start enjoying your Ford with flexible payments.

Contact Us Today

Ready to explore Ford PCP finance? At Clifton Private Finance, we’re here to make your dream car a reality.

With access to a wide range of lenders and tailored packages, you can rest assured you’re in expert hands. Visit our website to use our finance calculator or fill out our contact form.

Get a PCP Quote »