Rates Ford - Finance New Cars with Ford Options

The flexible way to finance your New or Used Ford.

Ford Options is Our Personal Contract Purchase plan where you get the greater protection at the end of your agreement, with lower monthly payments when compared to a Ford Acquire agreement of the same length and deposit. It gives you the option to take advantage of key benefits and select a new Ford vehicle every two or three years.

The fixed monthly payment is lower when compared to our Ford Acquire agreement of the same deposit and length and depends on the following:

Choose Another Car

Option One
Choose to replace your car with a brand new car

The first option is to replace your current vehicle with a New or Used Ford vehicle. You can then use any excess value over the Guaranteed Minimum Future Value (GMFV) as a deposit on your next Ford. You can also trade in your old car, or sell it privately if you prefer, having settled your account, and use any excess monies towards your next Ford.

What is Guaranteed Minimum Future Value (GMFV)?

GMFV is the price we will offer for the vehicle at the end of the term, ensuring you know how much you will get. This ensures you are protected against significant car depreciation and will have a good deal when you are ready to trade. 

See our Range of New cars


Return Car

Option two
Choose to return the car back to us

The second option is simply just to return the car. You’ll have nothing further to pay, providing the car is in good condition, and the agreed mileage hasn’t been exceeded.

Please note that the car’s condition is assessed in accordance with our RAC - approved normal wear and tear guidelines.

We can provide you with full details once your agreement is up and running.


Keep Car

Option Three
Choose to retain the car.

If you decide to keep the car, assuming all monthly payments have been made, you just need to pay the Optional Final Payment plus the purchase fee and it’s yours to drive away. The final payment does not have to be paid in a lump sum, we can help you to manage to manage the final amount effectively by putting together a new agreement with you and agreeing the term to make sure it fits within your budget. 

Please note that Ford Finance is subject to status, choosing to take out a new agreement for the optional final payment will mean creating a new finance application. 

Talk to Us about Ford options

Part-Exchange Your Car


A simple 3-step process that
will allow us to give you an
instant guide valuation.

What Our Customers Say


You always feel so important when you enter Rates, you are treated as if you are the most important customer they have, itreally is like my ...
Mrs Stone
Personal, attentive, service provided keeping me advised all through the process. No further improvement needed at this time
Mr Talbot
No need to change the great service
Mrs Humphrey
Excellent customer service and care from the staff
Mr Sorenson
Nothing could be improved it went well
Mrs Russell
I have always had a great experience at Rates the Staff are very welcoming and pleasant to deal with Keep up the good work
Mrs Hodgson
Speed of response, technical knowledge provided and ability to deal with same day
Mr Fahey
I found everyone I spoke to very helpful and very polite
Mrs Boyd
The car was picked up and brought at the time agreed, car cleaned inside and out. No improvements necessary all veryprofessional
Mr Girling
Everything went well from start to finish. No improvements needed
Mr Woods
The collection and delivery service is excellent and allows me to get on with work without inconvenience. The added annual breakdown cover w...
Mr Mahoney
Nothing to improve. Over the years I have come to trust Rate of Grays. Even though EAG are nearer to me I take my car to Rates. I love the s...
Mr Dowding