Ford finance options to get you behind the wheel | Finder

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

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 updated regularly
Name Product Number of seats ANCAP rating Price (from) Finder Score Read Review | Find a deal
Ford Focus RS
5 seats
5 stars
$50,990
81.67%
Read Review
Find a Deal
on Georgie’s website
Ford Focus
5 seats
5 stars
$25,990
82%
Read Review
Find a Deal
on Georgie’s website
Ford Ranger
5 seats
5 stars
$27,990
85%
Read Review
Find a Deal
on Georgie’s website
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Compare Ford financing options

Data updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Monthly Repayment View Details CTA
IMB New Car Loan
4.99%
(fixed)
5.34%
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.
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.
Loans.com.au - New and Dealer Used Car Loan
From
4.67%
(fixed)
5.22%
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. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
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. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
Plenti Car Loan
From
4.89%
(fixed)
5.44%
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.
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.
NRMA New Car Loan
From
4.99%
(fixed)
5.69%
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.
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.
NOW Finance Secured Personal Loan
From
4.45%
(fixed)
4.45%
You'll receive an interest rate from 4.45% p.a. to 15.45% p.a.
Borrow up to $100,000 for terms between 18 months and 7 years. You can use this loan to buy a car, motorbike, boat, motorhome or caravan.
You'll receive an interest rate from 4.45% p.a. to 15.45% p.a.
Borrow up to $100,000 for terms between 18 months and 7 years. You can use this loan to buy a car, motorbike, boat, motorhome or caravan.
Wisr Secured Car Loan
From
5.19%
(fixed)
5.46%
You'll receive a personalised interest rate from 5.19% p.a. to 17.69% p.a. based on your risk profile
A flexible car loan from $5,000 - $50,000 with personalised rates and rewards for strong credit customers.

You'll receive a personalised interest rate from 5.19% p.a. to 17.69% p.a. based on your risk profile
A flexible car loan from $5,000 - $50,000 with personalised rates and rewards for strong credit customers.

OurMoneyMarket Car Loan
From
5.5%
(fixed)
5.85%
You'll receive a fixed interest rate from 5.5% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
You'll receive a fixed interest rate from 5.5% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
MoneyForJam Car Loan
From
3.25%
(fixed)
5.82%
You'll receive a fixed rate from 3.25% p.a. based on your risk profile
Borrow between $5,000 and $120,000 with loan terms up to 7 years to finance a new or used car. Get access to more than 40 providers.
You'll receive a fixed rate from 3.25% p.a. based on your risk profile
Borrow between $5,000 and $120,000 with loan terms up to 7 years to finance a new or used car. Get access to more than 40 providers.
RACV New Car Loans
From
4.99%
(fixed)
5.69%
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.
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.
CUA Secured Fixed Car Loan
6.79%
(fixed)
7.16%
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.
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.
Latitude Personal Loan (Secured)
From
5.99%
(fixed)
7.26%
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
NAB Personal Loan Unsecured Fixed
From
9.99%
(fixed)
10.88%
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.
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.
SocietyOne Car Loan
From
6.99%
(fixed)
6.99%
You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
Driva Car Loan
From
3.95%
(fixed)
5.1%
You'll receive a fixed rate from 3.95% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
You'll receive a fixed rate from 3.95% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
NRMA Used Car Loan
From
6.49%
(fixed)
7.19%
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.
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.
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Compare car insurance side-by-side and get quotes

Data updated regularly
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. Plus earn Qantas Points for joining and paying your premium. Sign up by 2 May 2021, you can earn up to 30,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2020 Award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. You can also save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. You get a free Bauer magazine subscription when you sign up and a portion of your premiums go to supporting female-led businesses.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service
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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 4.69% 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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