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Ford Finance

Hartwell works with many different finance providers and we can show you a range of different financing methods. There is an option for everyone, so your new car could be much more affordable than you might expect.

Opting to purchase your vehicle with Hartwell Finance makes the whole process easy and hassle-free. Our dedicated business managers will find competitive financing methods to fit your budget and needs. All aspects of the finance agreement are arranged at the dealership, including:

  • Finance proposals completed electronically
  • There are no complicated forms to fill in
  • Only a simple credit check is needed
  • Hartwell Finance is SAF approved and regulated by the Financial Conduct Authority
  • You could be driving home in your new car the very same day​


Ford Options are PCP (Personal Contract Payment) deals. PCP deals are one of the easiest and most flexible ways to get behind the wheel of a shiny new car. Affordable deposits and low monthly payments mean you can change your car more often. With a Ford Options deal, a portion of the money owed is an Optional Final Payment (sometimes called Guaranteed Future Value). You'll have an annual mileage limit and may be subject to excess mileage charges should you exceed this, but Ford Options puts you in control. At the end of the deal, you can either pay the final payment and own the car, return the car or trade it in for a new one and start a new PCP deal.

The benefits:

  • Low deposits and monthly payments
  • Change your car regularly
  • Protection against vehicle depreciation
  • You can drive the car of your choice


Ford Acquire deals are otherwise known as Hire Purchase (HP) arrangements. This form of finance is ideal if you wish to spread out the cost of your vehicle over a period of time. You'll be able to choose the duration of the agreement to suit your budget, and at the end of the term you will own the vehicle outright. With Ford Acquire, you don't have an annual mileage limit.

The benefits:

  • Fixed regular payments for easy budgeting
  • Variable deposits
  • Complete ownership at the end of the agreement
  • No deferred lump sum to pay
  • No restriction on the type of car


If you always want to drive the latest models, a Ford Personal Lease plan may be for you. Simply pay an affordable monthly payment and don't worry about having to sell the car at the end - just give it back! Then, you can start another lease deal or walk away. With a lease, you won't own the car but most maintenance is included within the price. The advance rental is usually equivalent to three, six or nine monthly payments.

The benefits:

  • ​​Fixed monthly payments
  • Maintenance included
  • Easy to hand the car back
  • Drive the newest models


These Contract Hire deals work in a similar way to leasing - you won't own the vehicle and, at the end of the agreement, you can hand it back or start a new deal. As a business customer, you can choose whether you would like a maintenance plan included in the deal, which covers the risk of any large bills.

The benefits:

  • Minimal capital outlay
  • An additional line of credit
  • Europe-wide breakdown cover included
  • Includes Ford Fleet Accident Management


Lease Purchase is an ideal alternative to bank borrowing for businesses that are not VAT registered and who want eventual ownership of their cars. You can reduce your monthly payments by opting for a balloon payment at the end of the agreement. If you trade the vehicle in, any allowance above the balloon payment is yours to keep or put towards a deposit on your next vehicle. If there's a shortfall and the allowance is less than the balloon payment, you will be responsible for paying the difference.

The benefits:

  • Eventual ownership
  • Low initial deposit
  • The car can be written down in your books
  • All interest pair can be off-set against tax
  • No VAT on payments
  • Option to take early settlement
  • No restriction on mileage

For a quotation, help, or advice contact your local Hartwell dealership.

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