About Ford's car range
Ford's UK line-up has narrowed in recent years, with the Focus family hatchback, the Puma compact SUV and the Kuga mid-size SUV now forming the core of what's sold new. The Fiesta, for decades one of the UK's best-selling superminis, went out of production in 2023, so if a Fiesta is what you want, the used market is now the only way to get one.
Ford also has one of the broadest and longest-established dealer networks of any manufacturer in the UK. In practical terms, that generally makes servicing, parts and routine maintenance straightforward to arrange wherever you live, which is part of why Ford has remained a common choice for private buyers and fleets alike.
Because Ford has sold in high numbers for so long, the used market for Fiesta, Focus, Puma and Kuga models is large and varied, spanning a wide range of ages, mileages and price points. That breadth can work in a buyer's favour, but as with any used car, it's worth checking service history and condition carefully regardless of the badge on the bonnet.
Financing a Ford car
Buy through a Ford dealer and you'll typically be offered finance arranged through the dealership as one option at the point of sale. That's convenient, but it's only one route — independent comparison sites like this one let you check what else is available before you decide.
Whichever route you take, the things worth comparing stay the same: the deposit required, the length of the agreement, the total amount repayable over the term, and — on a PCP deal — the mileage allowance and what happens when the agreement ends. Our HP car finance calculator can help you see how different terms might affect monthly repayments, and it's worth running the numbers through our affordability/settlement calculator before you commit, or if you're weighing up paying off an agreement early.
Given how many Fords are bought and sold in the UK each year, it can help to compare lenders that are set up to handle used-car finance efficiently and at reasonable volume.
- Zuto — works as a broker that compares several lenders in one search, useful given how many finance routes exist for a popular model like the Fiesta or Focus.
- Carmoola — an app-based lender that can confirm a shopping budget before you view cars, which suits the pace of buying a used Ford, where good stock can move quickly.
FAQ
Q: Can I still get finance for a Ford Fiesta even though it's no longer made?
A: Yes. Since Fiesta production ended, buying one means going through the used market, and used car finance works the same way as it does for any other used vehicle — lenders assess the car and your circumstances, not whether the model is still in production.
Q: Is dealer finance the only way to finance a Ford?
A: No. Dealer finance is one option worth getting a quote for, but you can also compare independent lenders through a broker or comparison site to see whether another deal suits you better before you commit.
Q: What's the practical difference between HP and PCP on a Ford?
A: With HP, you own the car outright once every instalment is paid. With PCP, monthly payments are typically lower, but at the end you either make a further payment to keep the car or hand it back and start again. Our HP car finance calculator can help you compare how the two might play out for a given car and budget.