To be eligible for Ford car finance you’ll need to meet the pre-application criteria which includes being between the age of 21 to 70, earning more than £1,000 monthly (after tax) and being able to prove your identity and address. You must also have a bank account that accepts direct debits. When choosing your Ford vehicle, you’ll need to ensure you’re buying the car from a reputable dealer, has a mileage of less than 120,000 and that the car is less than 15 years old at the end of the agreement.

If you meet this, we’ll conduct an initial soft credit search which won’t affect your credit score. It’s simply to determine if you are eligible for car finance, which is a key part of our application process.

If you qualify for car finance, we’ll offer a conditional sale agreement – which means you’ll have full use of the car, but Moneybarn are still the legal owners. Once all repayments have been made you’ll become the legal owner of the car.