Can I Get Ford Finance with Bad Credit?
If you have a low credit score, no previous credit history, or have faced financial difficulties like defaults or CCJs in the past, getting approved directly by traditional lenders or main dealerships can be tough.
But at Refused Car Finance, we do things differently. We are proud to be one of the UK’s leading bad credit specialists. Our extensive panel of trusted lenders has been specifically selected to assist people from all walks of life. We look at the bigger picture, focusing on what you can afford today rather than on what happened in your financial past. We even have specialised lenders who accept applications from individuals on benefit income or those who are self-employed.
Getting a used Ford finance deal with bad credit isn’t just possible; we make the process completely stress-free.
How Our Used Ford Finance Process Works
We’ve streamlined our application process into three simple steps to get you on the road as quickly as possible:
- Tell Us About You: Fill out our quick, no-obligation online application form. It only takes a couple of minutes and uses a soft credit search, meaning it won’t affect your credit score at all.
- We Do the Legwork: You’ll be paired with one of our helpful finance experts who will search our large panel of lenders to find the best used Ford finance package tailored to your exact circumstances.
- Choose Your Ford and Drive Away: Once approved, your funds are ready! You can shop for your Fiesta, Focus, or Kuga with confidence, putting you in a much stronger position to negotiate with UK dealers.
Get a free finance quote today
Don’t wait around, we could get you the finance deal you want on the Ford car of your choice!
Financing the Most Popular Used Ford Models
Ford Fiesta Finance
The UK’s quintessential hatchback. Perfect for first-time drivers and city commutes, a used Fiesta keeps your bank balance happy with low insurance groups and exceptional fuel economy.
Ford Focus Finance
A superb all-rounder available as a petrol, diesel, or hybrid. Whether you want the ultra-low running costs of a Zetec or the sporty thrill of an ST-Line, we can structure an affordable monthly payment plan for you.
Ford Kuga Finance
Need more room for the family? The Ford Kuga mid-size SUV offers practicality, elevated ride height, and modern tech without the premium price tag.
Frequently Asked Questions About Ford Car Finance
Can I get a Ford on finance with no deposit?
Yes! We offer competitive zero-deposit options across our lender panel. You don’t need to save up thousands upfront to secure your used Ford finance deal.
What types of financing do you offer for Fords?
We offer various finance packages depending on what suits you best, including Hire Purchase (HP) agreements, where you own the car outright at the end of the fixed monthly payments, and Personal Contract Purchase (PCP) packages.
Why choose Refused Car Finance over a main dealer?
Main dealers often have strict credit scoring systems and only use one lender. If you don’t fit their perfect box, you get rejected. Because we work with a massive variety of bad credit and prime lenders, we can shop around to find the exact financial provider likely to say “yes” to you, matching you with affordable fixed monthly payments.