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Used Ford KA on Finance

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Getting a Ford KA on finance

If you're considering purchasing a Ford KA, and particularly if you're looking at the option of getting a used Ford KA on finance in the UK, here's a guide to help you through the process:

  1. Research the Vehicle:

    • The Ford KA is a popular city car known for its compact size, agile handling, and affordable running costs.
    • Familiarise yourself with the different trim levels, engine options, and features across various model years.
    • For used models, look into any common issues or points of wear specific to the Ford KA.
  2. Searching for a Used Model:

    • Start with Ford's official approved-used vehicle programme. These vehicles usually come with a manufacturer's warranty and have been thoroughly inspected.
    • Broaden your search to online platforms, local dealerships, and car supermarkets for a wide range of prices and available models.
  3. Finance Options:

    • Personal Contract Purchase (PCP): After an initial deposit, you'll pay monthly instalments. At the end, choose to make the final payment and own the car, return it, or trade it in for a new vehicle.
    • Hire Purchase (HP): After a deposit, pay off the vehicle's value in monthly instalments. Once all payments are made, the car is yours.
    • Leasing: Rent the KA for a set term and then return it.
    • Personal Loan: Obtain a loan, purchase the car outright, then pay back the loan in instalments.
  4. Obtain and Compare Finance Quotes:

    • Get quotes from Ford dealerships as well as independent finance providers. There might be special promotions for those interested in a used Ford KA on finance.
    • Consider the APR (Annual Percentage Rate) to understand the full cost of borrowing.
  5. Review Your Credit Score:

    • Your credit rating will have a significant impact on the finance rates and terms you're offered.
    • Examine your score with UK credit bureaus (Experian, Equifax, TransUnion) and ensure all information is correct.
  6. Budgeting:

    • Decide on a monthly payment you're comfortable with.
    • A heftier deposit often leads to more favourable monthly rates.
  7. Understanding the Agreement:

    • If considering PCP or leasing, be aware of any mileage limits and potential charges for exceeding them.
    • Know any fees associated with ending the contract early or specific wear and tear terms.
  8. Negotiation:

    • Use your research to haggle on both the vehicle's price and the finance terms. There's often room for negotiation, especially if you're thinking about a used Ford KA on finance.
    • Aim to reduce the overall amount payable across the term, not just the monthly fees.
  9. Finalise the Deal:

    • Once you're content with the terms, complete the necessary paperwork.
    • Always read and make sure you comprehend all terms before signing. Retain copies for your records.
  10. Insurance:

  • Before driving your KA, ensure you have the necessary vehicle insurance in place. It's wise to compare quotes from multiple providers to find the best deal.
  1. End-of-Agreement Options:
  • For PCP: At the end, you can pay the final amount, return the car, or start a new agreement.
  • For HP: The KA becomes yours after all payments.
  • If leasing, return the vehicle in the agreed-upon condition.
  1. Additional Costs:
  • Don't forget to budget for other potential costs, such as road tax, maintenance, servicing, and repairs.

Always ensure that your chosen finance option aligns with your current and projected financial situation. If you're ever uncertain, it might be worthwhile to consult with financial experts or trusted individuals.

About the Ford KA

The Ford KA has long been a favourite for city dwellers and first-time drivers alike. Since its introduction, the KA has gained popularity due to its compact size, affordability, and zippy performance, which makes it particularly adept at navigating tight urban environments.

Features and Specifications:

  • Compact and Stylish: The Ford KA's design is characterised by its small footprint, making it perfect for city driving and parking in tight spots. Despite its size, it boasts a distinctive look that's both modern and cheerful.

  • Interior Comfort: While it might be compact on the outside, the KA doesn’t skimp on interior space. The cabin is surprisingly roomy for its class, offering comfortable seating and a user-friendly layout.

  • Economical Performance: The KA is typically equipped with small, fuel-efficient engines, which not only keep running costs down but also produce lower CO2 emissions. This makes it both wallet-friendly and a more environmentally conscious choice.

  • Entertainment and Connectivity: Modern versions of the KA come equipped with Ford’s SYNC infotainment system, which offers features like smartphone integration, voice commands, and more, ensuring drivers remain connected on the go.

  • Safety Features: Safety hasn't been overlooked; the KA often includes features like multiple airbags, ABS, and stability control. Some newer models also offer advanced safety technologies, further enhancing its appeal for younger drivers and families.

Conclusion:

The Ford KA exemplifies the essence of a city car: compact, economical, and easy to manoeuvre. With its blend of style, efficiency, and modern features, it continues to be a compelling choice for those seeking a reliable urban companion. Whether you're a new driver or someone looking for a convenient second car, the KA remains a tried and true option.

Buying Guide

Want to find out everything about all KA models, pros and cons, what to look out for and everything else you need to know? Check out our Ford KA buying guide here.

Ford KA Data by County

Ford KA data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All345£3,6931360,951744
Aberdeenshire2£4,7451250,4021
Bedfordshire8£2,7401460,39615
Berkshire7£2,6901459,96413
Bridgend1-797,0008
Bristol5£3,5041271,79919
Buckinghamshire5£2,6921465,66520
Caerphilly3£3,1621577,0002
Cambridgeshire3£3,5621263,73313
Cardiff1£1,25016104,2001
Cheshire14£3,0651370,31716
Conwy2£2,7451675,0002
Cornwall1£3,695-37,0003
County Antrim3£3,3631439,6676
County Armagh1£22,9950255
County Down1£2,95015107,0002
County Durham7£3,7111248,37111
County Londonderry1£7,189848,0002
Cumbria1£2,9951368,0001
Derbyshire5£3,0761363,01814
Devon7£3,5091356,29715
Dorset4£3,5201355,2276
East Riding of Yorkshire7£3,8461349,6119
East Sussex3£3,9601255,9185
Essex11£3,1911465,59031
Falkirk2£4,0501157,326-
Fife1£4,2951239,0196
Flintshire5£1,9851490,8953
Gloucestershire2£2,4971570,73514
Greater London25£2,1791466,74230
Greater Manchester12£3,3531262,05027
Hampshire10£4,0351252,36527
Herefordshire1£3,9951354,4931
Hertfordshire10£3,4751343,76313
Isle of Wight3£4,1951265,4823
Kent14£2,8461660,19050
Lanarkshire1£2,9951185,00011
Lancashire9£2,4941380,56328
Leicestershire5£3,4841345,2278
Lincolnshire5£3,3141546,12114
Merseyside6£3,4921245,14615
Midlothian6£4,3881343,676-
Monmouthshire1£4,6501046,9803
Newport1£4,6991352,164-
Norfolk3£5,1621225,96516
North Yorkshire2£3,5951361,4035
Northamptonshire5£3,1941449,0906
Northumberland1£3,4951155,0003
Nottinghamshire5£4,0221343,56514
Oxfordshire1£4,2951269,0005
Rhondda Cynon Taf4£3,3091265,2994
Shropshire6£3,2051368,8608
Somerset4£2,8081379,8757
South Yorkshire13£2,4931479,34819
Staffordshire8£3,3311368,60321
Suffolk2£5,4931258,72113
Surrey7£2,3821575,3368
Tyne and Wear5£2,5571474,6499
Warwickshire6£2,6401374,41616
West Lothian3£3,6621463,929-
West Midlands20£2,8391459,17043
West Sussex4£3,0961558,50618
West Yorkshire15£3,5481250,37437
Wiltshire3£3,0621572,6679
Worcestershire5£3,5961458,5609
Wrexham1£3,6951552,3271
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