SHIFT UP TO SMARTER FINANCE

Purchasing a car is a major decision, alongside your house it is likely to be one of the largest purchases you are likely to make. Deciding how to fund your next car is also a big decision as there are many different ways to fund the car and understanding which is best for you can be confusing.

Many of our customers would like to be able to buy a car that is newer, higher specification or lower mileage than their budget allows. They might want to do this because the cost of motoring with a newer car is typically lower than it is with a used car i.e repairs/maintenance costs, more fuel efficient and lower road fund licence.

Vehicle finance is designed to help people fund the gap between the cash they have in the bank and what they need to pay for their next car. Malcolm Waite Ltd can offer finance with a number of different finance providers to find the plan that best suits your needs.

Our preferred supplier of finance is Ford Credit because we believe they offer our customers the best level of choice with finance packages and offer the most security to our customers in the long term.

Hire Purchse (HP)

The features of Ford Acquire

  • Traditional form of car financing
  • Interest rate fixed for the loan duration
  • Fixed regular payments to suit your needs
  • A choice of repayment periods from 12 to 60 months
  • A deposit may not be required
  • At the end of the agreement, assuming all payments have been made (including the Purchase Fee), you own the car

Ford Options

The features of Ford Options

  • The opportunity to drive a new Ford car more often
  • Fixed regular payments to suit your needs
  • Interest rate fixed for the loan duration
  • Guaranteed Minimum Future Value / Optional Final Payment (GMFV) provide protection from any unexpected fall in used car prices
  • Reduced exposure to major service and repair bills
  • Flexibility – at the end of the agreement you can Renew, Return or Retain your Ford (see below)
  • The option to own the car at the end of the agreement

Ford Options Cashplan

The features of Ford Options Cashplan

  • No regular payments
  • The opportunity to drive a new Ford car more often
  • Interest rate fixed for the loan duration
  • Guaranteed Minimum Future Value / Optional Final Payment (GMFV) provide protection against unexpected falls in used car prices
  • Flexibility – at the end of the agreement you can Renew, Return or Retain your Ford (see below)
  • The option to own the car at the end of the agreement

Help me choose the right finance package

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WHY FORD CREDIT?

Ford Credit is one of the world’s biggest and well-established automotive finance companies. Since 1963, we’ve helped millions of Ford customers in the UK buy their vehicles by providing a range of finance products


Important information

Your protection
Ford Credit is a member of the Finance and Leasing Association (FLA) and adheres to their Lending Code. You can view this Code at the FLA website. The code sets out key commitments and principles that we believe are fundamental in providing excellent customer care. As well as setting out industry guidelines, the FLA offers a Conciliation and Independent Arbitration Scheme for complaints less than eight weeks old. For more information please feel free to ask our Customer Service team or contact the FLA direct on 020 7836 6511. If your complaint is still not closed to your satisfaction after a period of eight weeks, you have the legal right to escalate the complaint to the Financial Ombudsman Service (FOS) by calling 0845 080 1800
Ford Credit
Finance subject to status. Guarantees/indemnities may be required. Freepost Ford Credit.

Treating Customers Fairly

Treating customers fairly is a core principle at Ford Credit. This forms a cornerstone of how we do business with all our customers and is embedded in our company culture. If, at any time, you believe that we have failed to live up to this principle please contact us.


Ford Credit is a trading Style of FCE Bank plc. Registered in England: No 772784. Registered Office: Central Office, Eagle Way, Brentwood, Essex, CM13 3AR. FCE Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm reference number 204469.

OPENING HOURS

Monday 08:00 18:00
Tuesday 08:00 18:00
Wednesday 08:00 18:00
Thursday 08:00 18:00
Friday 08:00 18:00
Saturday 08:00 18:00
Sunday Appointment Only