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Ford finance options

See how to finance a Ford and compare car loans now.


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Ford Motor Company is an automaker that was founded in Michigan in 1903 by Henry Ford and currently the fifth-largest carmaker in the world. The company currently produces more than 6.6 million vehicles per year.

Ford models available in Australia

There is a large range of Ford models available to buy in Australia, including a hatchback, sedans, SUVs, sportscars and commercial vehicles. These include:

See all 2020 EOFY deals

Compare Ford financing options

Data indicated here is updated regularly
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
IMB New Car Loan
4.99% (fixed)
1 to 7 years
$275.12 ($250 Application fee + $25.12 PPS registration fee)
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old. - New and Dealer Used Car Loan
From 4.67% (fixed)
3 to 5 years
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Note: Settle the loan before 30 November 2020 and enter the draw to win a $1,000 fuel voucher. Terms & conditions apply.
Credit Concierge Car Loan
From 4.45% (fixed)
1 to 7 years
You'll receive a fixed rate of 4.45% p.a. with a comparison rate of 5.29% p.a.
Get access to over 20 providers to fund a new or used car.

CUA Secured Fixed Car Loan
6.79% (fixed)
1 to 7 years
$265 ($175 Establishment Fee + $90 Security Administration Fee)
You'll receive a fixed rate of 6.79% p.a.
A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.
NRMA New Car Loan
From 4.99% (fixed)
1 to 7 years
You'll receive a fixed rate from 4.99% p. a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
Plenti Car Loan
From 4.89% (fixed)
3 to 7 years
from $249 to $799
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
Driva Car Loan
From 4.34% (fixed)
1 to 7 years
$295 (Varies by lender, starting from $295)
You'll receive a fixed rate from 4.34% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
NAB Personal Loan Unsecured Fixed
From 9.99% (fixed)
1 to 7 years
You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% (13.56% comparison rate) or less. See Comparison rate warning in (i) above.
Symple Loans Personal Loan
From 5.75% (variable)
1 to 7 years
from 0% to 5% of the loan amount
You'll receive a personalised interest rate from 5.75% p.a. to 21.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
NRMA Used Car Loan
From 6.49% (fixed)
1 to 7 years
You'll receive a fixed rate from 6.49% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.

Compare up to 4 providers

How much does it cost to buy a Ford?

According to Redbook, the purchase price of popular Ford models are as follows:

  • Ford Focus Trend SA Auto: $25,990
  • Ford Transit 350L VO Manual: $49,490
  • Ford Endura Trend CA Auto: $44,990
  • Ford EcoSport Ambiente BL Auto: $22,790
  • Ford Escape Trend ZG Auto: $33,490
  • Ford Ranger XL Hi-Rider PX MkII Auto: $33,390

Other costs to consider

Some additional costs for you to consider before applying for a loan are:

  • Repairs and servicing. You will need to pay for any maintenance or repairs on your vehicle, so it's important to try and keep your car in good condition to avoid expensive repairs in future.
  • Fuel usage. You will need to cover the cost of any fuel you use, and this will be affected by how much you drive your car, as well as the fuel efficiency of the specific model you choose. The ATO defines a fuel-efficient car as one with a fuel consumption of less than 7L/100km, which means the Ford Focus, Ford Endura and Ford EcoSport would all be considered fuel efficient, whereas the Ford Ranger has a fuel efficiency rating of 7.8L/100km.
  • Registration and insurance. You are legally required to register your vehicle, as well as take out compulsory third party (CTP) insurance, to use your car in Australia. There are also a number of optional insurance products to cover theft, fire and other damage, but these will vary in cost based on your driving history, age and gender.
  • Stamp duty. You will also need to pay stamp duty when you purchase a new or used car, which will vary by state or territory. You can calculate the cost of stamp duty by using our calculator.
  • Cost of finance. If you're using a car loan or alternative form of financing to help purchase your car, you will need to factor in the cost of the finance to understand the true cost of your vehicle purchase. See below for more information on your financing options.

What types of finance options are available?

  • Secured car loan. If you're buying a new car or a used car that's under a certain age, you can use it as security against the loan. You will receive a lower interest rate than on an unsecured personal loan, and are generally more likely to be approved, as the loan represents less risk to the lender.
  • Personal loan. If you don't want to use the vehicle as security against the loan, you can apply for an unsecured car loan or personal loan. You will generally get a higher rate and have access to a smaller maximum loan amount.
  • Commercial hire purchase. This is an option for businesses looking to lease a vehicle for a fixed term. You generally have the option of purchasing the car at the end of your loan term.
  • Novated lease. If you want to take advantage of tax benefits when financing your vehicle but the car is for personal use, you can consider a novated lease. It's an arrangement between you, your employer and a financier and allows you to pay for the vehicle out of your pre-tax income.
  • Ford Finance. Ford currently offers dealer finance for both businesses and individuals.

See all 2020 EOFY deals

What should you consider when choosing finance?

There are several factors to take into account when seeing what finance is available to you:

  • Can I afford the repayments? Using a car loan repayment calculator can help you work out how much the repayments will be for each finance option and whether you can afford it.
  • Do you want to own the vehicle? Not all financing options let you own the car from the outset. These options give you other benefits but it’s important to consider when picking the loan that’s right for you.
  • How long do you want to keep the Ford? If you like new cars and usually get one every few years, some of the lease options give you the option of swapping for a new car at the end of the lease term. This may be an alternative to consider rather than purchasing a new car outright.

What you will need to apply for a loan

You’ll need the following to apply for a car loan:

  • Financial statements. You must be able to show your income, which may require your payslips or bank statements, or if you’re self-employed, you’ll need to provide your tax returns. You’ll also have to detail your assets and debts.
  • Identification. Requirements differ between lenders but you may need your driver’s licence, passport or Medicare card.
  • Assets and liabilities. You must show your current assets and liabilities situation to your lender before getting approved for a loan.

You will also need to meet the following criteria to be eligible for a loan:

  • Be at least 18 years old.
  • Be an Australian citizen or permanent resident.

Ford reviews

Before looking for finance, read our reviews of popular Ford models to help find the one that is right for you. Still considering your options? Our car review comparison tables will allow you to evaluate vehicles side-by-side.

Data indicated here is updated regularly
Name Product Number of seats ANCAP rating Price (from) Finder Score Read review
Ford Focus RS
5 seats
5 stars
Ford Focus
5 seats
5 stars
Ford Ranger
5 seats
5 stars

Compare up to 4 providers

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Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.89% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

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