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Rates Ford - Finance New Cars with Ford Options

The flexible way to finance your New or Used Ford.

Ford Options is Our Personal Contract Purchase plan where you get the greater protection at the end of your agreement, with lower monthly payments when compared to a Ford Acquire agreement of the same length and deposit. It gives you the option to take advantage of key benefits and select a new Ford vehicle every two or three years.

The fixed monthly payment is lower when compared to our Ford Acquire agreement of the same deposit and length and depends on the following:



Option One
Choose to replace your car with a brand new car

The first option is to replace your current vehicle with a New or Used Ford vehicle. You can then use any excess value over the Guaranteed Minimum Future Value (GMFV) as a deposit on your next Ford. You can also trade in your old car, or sell it privately if you prefer, having settled your account, and use any excess monies towards your next Ford.

What is Guaranteed Minimum Future Value (GMFV)?

GMFV is the price we will offer for the vehicle at the end of the term, ensuring you know how much you will get. This ensures you are protected against significant car depreciation and will have a good deal when you are ready to trade.




Option Two
Choose to return the car back to us

The second option is simply just to return the car. You’ll have nothing further to pay, providing the car is in good condition, and the agreed mileage hasn’t been exceeded.

Please note that the car’s condition is assessed in accordance with our RAC - approved normal wear and tear guidelines.

We can provide you with full details once your agreement is up and running.



Option Three
Choose to retain 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 plus the purchase fee and it’s yours to drive away. The final payment does not have to be paid in a lump sum, we can help you to manage to manage the final amount effectively by putting together a new agreement with you and agreeing the term to make sure it fits within your budget. 

Please note that Ford Finance is subject to status, choosing to take out a new agreement for the optional final payment will mean creating a new finance application.


R T Rate Limited is also authorised and regulated by the Financial Conduct Authority for consumer credit purposes. We are a broker for finance and not a lender.

We can introduce you to a limited number of lenders and finance products to assist with your purchase, who will pay us for introducing you to them. FCA number: 308827

You can check this on the FCA’s website or by contacting the FCA on 0300 5008082.