Ford Options

Ford Options is our Personal Contract Purchase plan which offers you the flexibility to renew your car more often.


  • The opportunity to drive a new Ford car more often
  • Fixed regular payments to suit your needs
  • Interest rate fixed for the loan duration
  • Optional Final Payment provides protection from any unexpected fall in used car prices
  • Reduced exposure to major service and repair bills
  • Flexibility – at the end of the agreement you can Renew, Return or Retain your Ford (see below)
  • The option to own the car at the end of the agreement

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Ford Options PCP Finance Plan at Keith Motors

Choose from three options at the end of your agreement

Option 1 – Renew: Choose another car

If you would like to renew your Ford you can trade it in at your Ford Dealer or sell it privately if you prefer. You must settle your account, and then you may use any excess value over the Optional Final Payment can be used as a deposit towards your new Ford.

Option 2 – Return: Hand the car back

Your pre-agreed Optional Final Payment gives you protection against any unexpected fall in used car prices. If you would like to return your car, your Ford Dealer will complete a vehicle appraisal. As long as your car meets our fair wear and tear standards, is within the agreed mileage, and your account is up-to-date, there will be nothing further to pay. Additional charges will be made if you exceed the agreed mileage or if your car does not meet our fair wear and tear standards.

Option 3 – Retain: Keep the car

Ford Options also gives you the flexibility to own the car at the end of the agreement. All you need to do, assuming all payments have been made, is arrange payment of the Optional Final Payment, which was deducted at the start of your agreement, plus the purchase fee.

We'll contact you before the end of your Ford Options agreement to make sure you have plenty of time to decide which option is right for you.

Renewing your Ford before the end of your agreement

With Ford Options, you're in complete control, with the flexibility to renew your Ford at any time during your agreement. Find out more about our current promotions. Your Ford Dealer will assist you with the process, including settlement of your outstanding balance on your behalf. Please remember, however, that the responsibility of settling the financial balance remains yours.

Getting a finance quote for your Ford is easy

Get a personal instant finance quote for the model of your choice. Once you've created your personal finance quote you can also apply online for a decision within minutes.

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What is Ford Options and how does it work?
Ford Options is our personal contract purchase (PCP) plan where your monthly payment is lower when compared to a Ford Acquire agreement of the same length and deposit.

Over what period can I take my Ford Options agreement?
Ford Options agreements can be taken out over 24, 36, or 48 month terms.

When is my Optional Final Payment due?
Your Optional Final Payment (OFP) is due 30 days after your last regular instalment has been paid.

What happens if I have not made a decision and my Optional Final Payment has become due?
Please contact us on 0345 712 5490 Calls will be charged at local rates from a landline, but may vary when calling from a mobile phone. Calls may be recorded for training and quality purposes.

Why is there a mileage restriction?
The annual mileage is agreed depending on your individual requirements at the start of the finance agreement. It allows Ford Credit to allocate an Optional Final Payment to the vehicle, thereby calculating the monthly repayments.

I'd like to return my car at the end of my Ford Options agreement.
What do I need to do?

Simply return your vehicle to your Ford Dealer, who will carry out an appraisal on your vehicle. So long as the vehicle meets our 'fair wear and tear' standards, and you are within your agreed mileage, you will have nothing further to pay. Your Wear and Tear guide, provided at the start of your agreement, will give you further information regarding 'fair wear and tear' and the appraisal and return process.

For a copy of the current charges for vehicle damage under our fair wear and tear standards please click here.

Important Information

Ford Credit is a member of the Finance and Leasing Association (FLA) and adheres to their Lending Code. You can view this Code at the FLA website. The code sets out key commitments and principles that we believe are fundamental in providing excellent customer care. As well as setting out industry guidelines, the FLA offers a Conciliation and Independent Arbitration Scheme for complaints less than eight weeks old. For more information please feel free to ask our Customer Service team or contact the FLA direct on 020 7836 6511. If your complaint is still not closed to your satisfaction after a period of eight weeks, you have the legal right to escalate the complaint to the Financial Ombudsman Service (FOS) by calling 0845 080 1800

Ford Credit
Finance subject to status. Guarantees/indemnities may be required. Freepost Ford Credit.

Treating Customers Fairly
Treating customers fairly is a core principle at Ford Credit. This forms a cornerstone of how we do business with all our customers and is embedded in our company culture. If, at any time, you believe that we have failed to live up to this principle please contact us.

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.