Representative Example: You could borrow £10,699 over 60 months with an initial payment of £495.89 (including £199 Admin Fee) followed by 58 monthly payments of £296.89 with a final payment of £495.89 (including optional £199 Option to Purchase Fee). Total amount repayable will be £19,012,40. 26.1% APR, annual interest rate (fixed) 13.3%.
Buying a Used Ford on Finance
Ford is one of the most trusted car brands in the UK, known for building affordable and reliable vehicles. No matter what you need a car for, Ford offers something for everyone. Their cars are generally well built, cheap to run, and easy to maintain, which makes them a popular choice for both new and used buyers. From small hatchbacks to larger SUVs, there's a wide range of models to choose from, many with good fuel economy and low insurance costs.
Ford cars are known for their solid build and reliability. While they may not feel as premium as some German brands, they are made with quality in mind and are designed to last. Many Ford models come with good safety features, modern infotainment systems, and efficient engines. Popular models like the Fiesta and Focus have been praised for their driving experience and everyday usability.
Ford cars are generally not high maintenance. They’re known for being affordable and easy to look after. One of the big advantages of owning a Ford is that parts are widely available and don’t cost a lot. Most local garages are familiar with Ford models and can carry out repairs without needing to send your car to a specialist.
Unlike some premium brands like BMW or Mercedes, which often need repairs done at a dealership or with specific tools, Ford repairs can usually be handled quickly and cheaply at independent garages. This helps keep the cost of maintenance down.
Regular servicing, like oil changes and checks on things like brakes and tyres, is still important, especially for older Fords or those with higher mileage.
Some of the most reliable Ford models include the Ford Fiesta, Ford Focus, and Ford Kuga. These cars are known for being dependable, especially when properly looked after with regular servicing. The Ford Puma and EcoSport are also popular choices, with strong safety ratings and fuel efficient engines that make them great for everyday driving.
However, like any car brand, Ford vehicles have had some common issues reported by owners. Knowing what to look out for can help you make a better decision when buying a used model.
Oil Leaks Oil leaks can happen in any car, but some Ford models have had problems with seals or parts not being fitted properly. These leaks usually aren’t serious and can be fixed easily by a mechanic, but it’s worth checking under the car or under the bonnet for any signs of oil spots or smells.
Bodywork and Paint Problems Some older Ford models, especially those made between 2000 and 2007, have had issues with rust, paint peeling, or flaking. This was especially common on aluminium hoods. While newer models have improved, it’s still a good idea to inspect the bodywork carefully, especially if the car has been kept outside.
Connectivity Issues In newer Ford models made after 2015, some drivers have reported problems with infotainment systems. This includes issues connecting phones via Bluetooth, screens freezing, or voice commands not working properly. These faults are often fixed with software updates, but they can be annoying if you rely on tech features. Spark Plug Problems Certain older Ford engines made between 2004 and 2008 have had issues with spark plugs either breaking when removed or being ejected from the engine. This is more common in specific V6 and V8 engines. If you're looking at one of these models, ask if the plugs have been checked or replaced.
Choosing a used Ford with a full service history and low mileage will give you the best chance of owning a car that lasts. Regular maintenance, oil changes, and using trusted mechanics all help make a big difference in keeping a Ford running well over time.
Ford and Toyota are both trusted brands, but they offer different strengths depending on what you’re looking for in a car.
Toyota is known for its excellent reliability, low running costs, and fuel efficiency. It’s a brand that’s built a strong reputation for making cars that last a long time with minimal issues, which is ideal for anyone who wants a car that’s easy to maintain and cheap to run over time.
Ford, on the other hand, is often praised for its variety and driving experience. Ford cars tend to feel more fun behind the wheel, with responsive handling and comfortable interiors. There’s also a wide range of models to choose from, whether you need a small hatchback like the Fiesta, a roomy family SUV like the Kuga, or a reliable van.
If you want something practical, reliable and very fuel-efficient, Toyota might be your best bet. But if you’re looking for a more engaging drive, more model choices, and slightly better performance or comfort in everyday use, Ford could be the better choice for you.
The Ford Privilege Scheme is a discount programme designed to make buying a new Ford more affordable for certain people.
It’s mainly for current and former Ford employees, their close family members, and sometimes staff at selected partner companies. If you're eligible, you can get a significant discount on the price of a brand new Ford vehicle.
The scheme covers a wide range of Ford models and usually includes extras like free servicing or roadside assistance, depending on the offer at the time. While it doesn’t apply to used cars or general customers, it highlights Ford’s focus on rewarding loyalty and supporting its workforce.
If you think you might qualify, it’s worth checking with your employer or the Ford website to see if you’re eligible.
Here are some of the most popular Ford models financed in the UK, and for good reason. Each one offers something different, depending on what the driver needs or prefers.
With Hire purchase, you’ll make fixed monthly payments and own the car at the end of the term. Personal Contract Purchase (PCP) usually has lower monthly payments, with the option to pay a lump sum at the end if you want to keep the car.
Before you apply for car finance, it’s a good idea to check your credit score, compare deals, and make sure the car has a full service history. Choose a plan that fits your monthly budget so it stays affordable.
Remember: When buying any used vehicle, there’s always a chance that issues may come up later. If you’ve financed a car and start to notice mechanical problems, it’s important to contact both your finance provider and the dealership where you bought the vehicle. Acting quickly can help get the issue resolved and protect your rights.
The Ford Fiesta is one of the most popular small cars in the UK, especially with new drivers. It’s easy to handle, cheap to run, and affordable to insure. Most come with a 1.0L EcoBoost engine that offers good fuel economy, up to around 65 mpg. The 292-litre boot is big enough for shopping, gym bags or school gear, and the interior is well laid out for everyday use. If you're after something sportier, the Fiesta ST offers performance with sharp handling and a powerful 1.5L turbocharged engine, making it a fun drive without compromising on everyday usability.
The Focus is a great step up if you want more space without jumping to an SUV. It suits families and anyone doing longer journeys. It’s smooth to drive and has a 375-litre boot, making it great for weekend trips or pushchairs. Available with petrol, diesel, and mild hybrid engines, the Focus balances comfort, tech, and practicality. For drivers wanting a more exciting drive, the Focus ST adds performance focused suspension, a sportier design, and a powerful 2.3L engine, perfect if you want a car that offers fun, but still practical for everyday life.
If you like a sporty look but still want family-friendly features, the Puma is a smart pick. It’s a compact SUV with a surprising 456-litre boot and even more storage thanks to the extra Megabox under the floor. It’s fun to drive, fuel efficient (around 50–55 mpg), and the mild hybrid version makes it even more economical. Great for younger families or drivers looking for a stylish yet practical car.
The Kuga is ideal for growing families or anyone needing more space. It’s available in petrol, diesel, and plug-in hybrid, with the hybrid model offering around 35 miles of electric only range, ideal for school runs or local errands. The 475-litre boot is spacious enough for holidays, dogs, or sports gear, and it’s loaded with safety features to give you peace of mind. If you want a sportier look, the Kuga ST-Line offers a sleek design, sports suspension, and extra interior details, without losing any practicality.
If comfort is a top priority, the Mondeo is worth considering. It’s great for motorway driving and longer trips, offering a smooth and quiet ride. With boot space of over 500 litres, it handles bigger loads with ease. It’s available in petrol, diesel, and hybrid, and is known for being reliable and roomy, a solid choice for families or high mileage drivers.
