Ford finance options

Ford finance options in 2025

Thinking about buying a Ford in 2025? You've got a range of flexible finance options through Ford Finance and third-party lenders. Whether you're a private buyer or running a business, there's likely a financing solution that suits your needs and budget.

1. Ford Consumer Loan (Ford Finance)

This is Ford's standard car loan for personal buyers. You own the car from day one and make fixed monthly repayments over 1 to 7 years. You can tailor your agreement with an optional deposit and balloon payment at the end to reduce monthly costs. This option suits those who want ownership certainty with no surprises at the end of the loan term.

2. Secured car loan

If you're not using Ford's in-house finance, a secured car loan from a bank or lender is another common choice. These loans typically offer competitive rates (from around 5% p.a.) because the vehicle is used as collateral. You'll generally need the car to be under 7–10 years old and can borrow $5,000–$250,000 depending on your credit profile.

3. Unsecured personal loan

Planning to buy an older Ford or use part of the loan for other purposes (like rego or insurance)? An unsecured personal loan offers more flexibility but often comes with higher interest rates—usually between 6% and 26% p.a. You don't need to offer the car as security, but your credit score and income will impact approval and rates.

4. Novated lease

For salaried employees, Ford offers novated leasing through salary packaging providers. It's a three-way agreement between you, your employer and a leasing company, where payments are deducted from your pre-tax salary. You get the benefit of reduced taxable income and at the end of the lease, you can buy the car, trade it in, or upgrade. This is best for high-income earners and those who drive regularly for work.

5. Chattel mortgage

If you're an ABN holder buying a Ford for business use, a chattel mortgage can be a tax-effective finance solution. Your business owns the car from the start and the lender registers a security interest in it. You can claim GST on the purchase price (if applicable), as well as depreciation and interest on repayments. Terms are usually flexible, with balloon payments and fixed monthly instalments.

6. Ford finance lease

Aimed at businesses, a finance lease gives you exclusive use of the vehicle while the lender retains ownership. You make lease payments over 1 to 5 years and at the end of the term, you can choose to pay the residual value and buy the car, refinance it, or return it. It's a good option if you don't want upfront ownership or large deposits.

How to compare different Ford finance options

These six factors are what you should pay attention to when comparing different options for financing your Ford:

• The interest rate. The lower your interest rate, the less you pay to the loan company for the finance. Look at the comparison rate figure – this includes both the interest and fees.
• Fees and charges. Fees quickly add up. Make sure you know if a loan has a cost to apply or comes with monthly service charges. Those quickly add to the cost of your loan and can make a big difference!
• Promotional offers. Some companies are waiving application fees at the moment, or offering substantial cashback deals as part of applying for a car loan. This could save you up to $595!
• Repayment flexibility. Having the ability to choose your payment schedule, say to suit your salary, is a big plus for many. You might also want the ability to redraw payments, but make sure you read the full terms and conditions.
• Loan period. The longer you take out your loan, the lower your repayments are. That's because the total is broken down into smaller chunks. However, you'll spend more time paying out interest, so it'll cost you more to borrow the money. Make sure you get a balance of affordable monthly repayments with paying minimal interest to save money.
• Balloon payments and residuals. You might want to take out finance with a balloon payment. This amount is effectively deducted from the loan and placed aside until an agreed time. It means the repayments are smaller, but later, you have to find a large sum of money to pay off the loan. Make sure you spend time researching if having a balloon payment makes sense for you and your circumstances.

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Finder Score	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Promoted Finder Score 9 Excellent IMB New Car Loan Fixed1 - 7 Years $2,000 - $125,000	Finder Score 9 Excellent	Interest Rate (p.a.) 5.99%	Comp. Rate (p.a.) 6.34%	Application Fee $274.78	Monthly Fee $0	Monthly Repayment $920.88	Borrow up to $125,000, pay no account-keeping fees and repay with fixed repayments while having the ability to repay early.	Go to siteView details Compare product selection Compare	loading
Finder Rewards ExclusivePromoted Finder Score 9.4 Excellent NOW Finance Personal Loan Fixed18 Months - 7 Years $5,000 - $100,000	Finder Score 9.4 Excellent	Interest Rate (p.a.) 5.95% to 26.95%	Comp. Rate (p.a.) 5.95% to 26.95%	Application Fee $0	Monthly Fee $0	Monthly Repayment $911.98	ENDS SOON! $500 VISA CARD REWARD 1 Join Finder 2 Settle a loan with NOW Finance 3 Get gift card up to $500 from Finder Ends by. T&Cs apply.	Go to siteView details Compare product selection Compare	loading
Promoted Finder Score 8.7 Great Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Finder Score 8.7 Great	Interest Rate (p.a.) 5.67% to 18%	Comp. Rate (p.a.) 6.1% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $920.14	Your own personal car loan broker can help you borrow up to $300,000 for your new car by choosing from a range of finance options.	Go to siteView details Compare product selection Compare	loading
Finder Score 8.1 Great loans.com.au - New/Demo - Variable Rate Variable3 - 7 Years $10,000 - $150,000	Finder Score 8.1 Great	Interest Rate (p.a.) 5.94% to 16.39%	Comp. Rate (p.a.) 7.07% to 17.51%	Application Fee $400	Monthly Fee $8	Monthly Repayment $932	Go to siteView details Compare product selection Compare	loading
Finder Score 9.3 Excellent OurMoneyMarket New Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.3 Excellent	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $911.98	No monthly or early exit fees. Loan amounts range from $5,000 to $100,000. Eligibility: Applicants must have an Equifax credit score of 500 or above, an annual income of more than $25k, and must be an Australian citizen or permanent resident.	Go to siteView details Compare product selection Compare	loading
Finder Score 7.7 Great RACV New Car Loans Fixed1 - 7 Years $5,000 - $100,000	Finder Score 7.7 Great	Interest Rate (p.a.) 6.59% to 17.69%	Comp. Rate (p.a.) 7.29% to 18.47%	Application Fee $499	Monthly Fee $0	Monthly Repayment $936.01	Go to siteView details Compare product selection Compare	loading
Finder Score 8.1 Great loans.com.au - Variable Rate Used Car < 5 years Variable3 - 7 Years $10,000 - $150,000	Finder Score 8.1 Great	Interest Rate (p.a.) 5.94% to 16.39%	Comp. Rate (p.a.) 7.07% to 17.51%	Application Fee $400	Monthly Fee $8	Monthly Repayment $932	Go to siteView details Compare product selection Compare	loading
Finder Score 9.3 Excellent OurMoneyMarket Used Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.3 Excellent	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $911.98	No monthly or early exit fees. Loan amounts range from $5,000 to $100,000. No vehicle age limit. Eligibility: Applicants must have an Equifax credit score of 500 or above, an annual income of more than $25k, and must be an Australian citizen or permanent resident.	Go to siteView details Compare product selection Compare	loading
Finder Score 8 Great Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Finder Score 8 Great	Interest Rate (p.a.) 6.69% to 18%	Comp. Rate (p.a.) 6.31% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $934.21	Your own personal car loan broker can help you borrow up to $300,000 for your new car by choosing from a range of finance options.	Go to siteView details Compare product selection Compare	loading
Finder Score 7.2 Great RACV Used Car Loans Fixed1 - 7 Years $5,000 - $100,000	Finder Score 7.2 Great	Interest Rate (p.a.) 7.89% to 17.69%	Comp. Rate (p.a.) 8.6% to 18.47%	Application Fee $499	Monthly Fee $0	Monthly Repayment $954.18	Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.	Go to siteView details Compare product selection Compare	loading
Finder Score 8 Great loans.com.au - Variable Rate Used Car < 3 years Variable3 - 7 Years $10,000 - $150,000	Finder Score 8 Great	Interest Rate (p.a.) 5.94% to 16.39%	Comp. Rate (p.a.) 7.07% to 17.51%	Application Fee $400	Monthly Fee $8	Monthly Repayment $932	Go to siteView details Compare product selection Compare	loading
Finder Score 7.1 Great loans.com.au - Fixed Rate Used Car Loan (6 to 7 years) Fixed3 - 7 Years $10,000 - $150,000	Finder Score 7.1 Great	Interest Rate (p.a.) 7.29% to 15.99%	Comp. Rate (p.a.) 8.42% to 17.11%	Application Fee $400	Monthly Fee $8	Monthly Repayment $950.7	Go to siteView details Compare product selection Compare	loading
Finder Rewards Exclusive Finder Score 7.4 Great NOW Finance Car Loan Fixed18 Months - 7 Years $3,000 - $150,000	Finder Score 7.4 Great	Interest Rate (p.a.) 7.59% to 15.39%	Comp. Rate (p.a.) 8.43% to 16.29%	Application Fee $595	Monthly Fee $0	Monthly Repayment $952.96	ENDS SOON! $500 VISA CARD REWARD 1 Join Finder 2 Settle a loan with NOW Finance 3 Get gift card up to $500 from Finder Ends by. T&Cs apply.	Go to siteView details Compare product selection Compare	loading

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Ford Australia range (2025)

In Australia, Ford markets a mix of passenger vehicles, SUVs, commercial vans and performance models. Here's the latest model lineup with indicative pricing:

Have a Ford finance question?

• Should I get a new or used Ford?

  Here are the pros for buying a new Ford:

  • Factory warranty.
  • Ability to choose specific model, paint colour, trim, wheels, engine and transmission – as well as have factory options fitted.
  • Benefit from all the latest safety, passenger comfort and infotainment technology.
  • Latest fuel-efficiency developments could result in lower running costs.
  • That new car smell and experience.
  • Streamlined purchasing process – deal directly with a dealer or even order online.
  • Time-saving versus searching if you have a specific model in mind.
  • Some room for negotiation on price.

  The main con is depreciation, which starts as soon as you leave the dealership forecourt and can quickly rack up.

  Here are the pros for buying a used Ford car:

  • Save money by letting someone else pay for the depreciation (which is typically highest in the first few months and years).
  • Option to haggle, especially if the car has known faults or damage.
  • No need to wait. Factory orders can take months for some in-demand models, whereas you could drive away the same day in a used car.

  The downsides of buying a used vehicle are:

  • More time-consuming. You need to spend time looking for the specific model you want and there are less to choose from.
  • Prices are rising. According to some sources, there's more demand for used vehicles.
  • Used cars may have run out of warranty, meaning any mechanical failures are your responsibility to pay for.
  • You could unwittingly buy a lemon and be stuck with a costly repair bill.
  • May not be eligible for some secure car loans.

• What happens if I default on a secured car loan?

  Because the lender has a registered security interest in the car, they can repossess it to recoup their losses.

• If I buy a Ford with a loan, do I own it?

  It depends on the Ford finance option you've chosen. If it's a secure car loan, an unsecured personal loan, a chattel mortgage or purchased with dealership finance, you own the car. If you go for a novated lease, you don't own the car, so you can't make modifications to it freely.

• What is the Ford Options plan?

  The Ford Options plan allows you to drive a new Ford vehicle with flexible payment options. At the end of the term, you can choose to keep the car, return it, or trade it in for a new model.

• What is the lowest credit score Ford will finance?

  The minimum credit score required for Ford financing can vary, but typically a score of 700 or above is required to gain access to finance options like this.

• What is the difference between Ford options and Ford acquire?

  Ford Options allows for flexible end-of-term options, including returning the vehicle, while Ford Acquire is a more traditional financing plan where you own the car at the end of the term.

• What happens at the end of Ford Options?

  At the end of the Ford Options plan, you can choose to keep the car by paying the remaining balance, return it, or trade it in for a new model.

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Written by

Ben Gribbin

Writer

Ben Gribbin was an automotive writer at Finder. He is a life-long car enthusiast, bringing many years of experience working with and writing about cars. During his time, Ben has been a freelance writer, editor and reviewer for a number of leading publications across the UK. He was voted the Guild of Motoring Writers Breakthrough Blogger in 2015. See full bio