Ford finance rates & car loan options

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Application for ford finance
Application for ford finance

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Ford finance options at a glance

  • Finance for a Ford Ranger, Everest, Escape and more
  • Secured and unsecured car loans
  • Ford business finance options
  • Ford novated lease
  • Borrow up to $150,000
  • Fixed or variable interest rate
  • Finance terms from 1 - 7 years
  • Flexible repayment options
  • Pre-approval available

Ford finance Australia: Understand your options

Getting finance for a Ford in Australia can be relatively simple. You have two main options: finance through Ford directly via myFord Finance, or getting a car loan separately from a bank or other lender.

There are also Ford finance options specifically for businesses and those who are eligible for a tax-friendly novated lease through their employer.

Whichever option you choose, it’s important to get the best deal possible on your Ford finance. Even a small difference in your car loan interest rate can mean spending significantly more or less. Particularly if you’re shelling out up to $95,000 for a top-of-the-range Ford Raptor, the extra interest over a full loan term could be painful.

Ford finance rates compared

Estimated vehicle costMonthly repayment at 6% p.a.Monthly repayment at 8% p.a.

Ford Ranger XL (2.0L Turbo Diesel Double Cab Pick-up) drive away from $48,346



Ford Ranger Raptor (3.0L V6 Twin-Turbo 4WD Double Cab Pick-up) drive away from $94,912



Ford Everest (Ambiente 2.0L Bi-Turbo Diesel RWD) drive away from $58,940



Ford Escape FWD drive away from $42,755



Ford car loan examples are calculated using monthly repayments with a fixed interest rate, a 5-year term, and estimated vehicle costs for a private buyer in NSW (2000) as at 4 July 2023 (according to Ford Australia’s website). Actual car pricing may be different. Estimated repayments do not include any fees the lender may charge. Actual car loan interest rates are calculated by the lender based on your application.

How to get the best deal on your Ford finance

For a lot of people, getting the best Ford finance deal means the loan with the lowest overall cost. That’s not necessarily the same as the lowest car loan interest rate advertised by a lender. Instead, it’s important to compare Ford finance options with a few different factors in mind:

  • Your personalised interest rate: This is the interest rate you’ll actually be paying on your Ford finance (not the one advertised). Your personalised rate will be calculated by the lender based on an individual assessment (e.g. your credit score).

  • Ford finance fees: Fees can quickly inflate the cost of financing a Ford. Pay attention to fees you’ll be charged up-front as well as ongoing fees.

  • The finance term: The shorter your Ford finance term is, the less you will need to pay in interest.

  • Repayment options: Getting Ford finance with the flexibility to make extra repayments and repay the loan early (without penalties applying) could save you money in interest.

  • Ford finance with balloon payment?: Some lenders offer a balloon payment option, meaning you would have lower ongoing payments but a large one-off payment at the end of the term.

Ford finance eligibility

Am I eligible for Ford finance?

Eligibility for a Ford car loan will vary from lender to lender. But these are the standard car finance requirements with a lot of providers:

  • You must be at least 18 years of age
  • You must be an Australian citizen or permanent resident
  • You must have a regular source of income to cover the repayments
  • You meet the lender’s other credit criteria (e.g. they will check your credit score)
Ford finance Australia

How to apply for Ford finance

Here’s a quick overview of the process for applying for Ford finance:

  1. Compare tailored Ford car loan quotes
  2. Choose your best deal
  3. Apply for finance with the lender
  4. Provide documents to support your application
  5. The lender will assess your application

If your application is approved, the lender will either grant you car loan pre-approval up to a certain amount (meaning you can go shopping for a Ford based on that pre-approved budget), or final approval if you have already decided on the model you want to buy.

Options for financing a Ford

Secured versus unsecured Ford car finance

If you get a secured car loan for your Ford, it usually works out cheaper than unsecured finance. The reason being, the car you buy will act as security for the loan. This means less risk for lenders and lower rates for borrowers.

The trade-off is if you can’t meet the regular repayments on your Ford finance, the lender could repossess your car.

Finance for a used Ford

For borrowers looking to buy a used Ford, your finance options may be slightly different. You see, the lowest car loan interest rates are usually offered on brand new cars. Rates tend to gradually increase the older a car is.

However, if it’s a relatively new used Ford, it should still be eligible for a secured car loan.

Ford business finance options

Ford vehicles are commonly used by businesses, whether it’s a tradie buying a Ranger or a Ford Transit Van for a delivery service.

If the Ford you’re buying will be used for business purposes (more than 50% of the time) you could be eligible for a business car loan.

This is similar to a secured car loan, but there are potential tax benefits some businesses may be eligible for.

There are also lease options available for businesses that want to finance a Ford that way.

Ford novated lease

Another option for financing a Ford for personal use is a novated lease through your employer. This can offer tax advantages that aren’t available through other forms of Ford finance.

If you take out a novated lease, you can pay for your Ford, as well as most running costs (fuel, insurance etc.), using your pre-tax salary. You’ll also get a GST discount on the cost of the vehicle and car running costs.

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Frequently asked questions about Ford finance

Yes it’s possible to get finance directly from Ford when you buy your vehicle. Through myFord Finance, Ford offers a fixed rate car loan with terms of between one and seven years available. Interest rates are personalised depending on the borrower.

Ford’s car loan comes with a balloon payment option for eligible vehicles. Customers who choose this option will have the following options at the end of their finance term, according to Ford:

  • Upgrade your Ford for a new one, or;
  • Keep the vehicle, or;
  • Return your Ford to the dealer.

Ford says it will guarantee the minimum return value of the vehicle, to ensure it covers the final balloon payment.

The interest rate you’re offered on your Ford finance will be personally tailored based on your application and the specific Ford model you decide to purchase.

Factors that can influence car financing rates include:

  • The age of the Ford vehicle
  • Whether the loan is secured or not
  • Your credit history and score
  • Your financial situation (e.g. your income, expenditures, debts, and assets you own)

It’s often still possible to be approved for Ford finance even if you have bad credit. This will of course depend on the other aspects of your applications. If you do need to apply for a bad credit car loan for your Ford, you will likely be charged a fairly high interest rate compared to borrowers with a good credit score.

The duration required for the approval of your Ford financing largely depends on the financing plan you choose and the lender you opt for. If your application is straightforward and you have all your necessary documents prepared, some lenders might even approve your Ford financing on the same day. But for more complex applications, it will likely take longer.

Car Loans guides and resources

Where to next? Read our other car loan guides to understand more about your options for financing your next car.

Written by

Sean Callery Editor


Sean Callery

Reviewed by

Megan Birot writer

Senior Finance Writer

Megan Birot


*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $30,000 over 5 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.