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Used Ford Transit on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

Getting a Ford Transit on finance

Considering a Ford Transit, a hallmark in the world of commercial vehicles? If you're mulling over the possibility of procuring a used Ford Transit on finance in the UK, here's a guide to steer you in the right direction:

  1. Research the Vehicle:

    • The Ford Transit is an iconic van famed for its durability, adaptability, and broad range of options.
    • Get acquainted with the various sizes, configurations, and engine options available over different model years.
    • When delving into used models, research any recurrent issues or typical wear patterns related to the Transit.
  2. Searching for a Used Model:

    • Start with Ford's official approved-used vehicle programme. These vans typically come with a warranty and have been rigorously inspected.
    • Broaden your search to online platforms, local dealerships, and commercial vehicle dealers to compare prices and models.
  3. Finance Options:

    • Personal Contract Purchase (PCP): You'll make monthly payments after an initial deposit. At the contract's end, you can pay the final balloon amount to own the van, hand it back, or trade it in.
    • Hire Purchase (HP): After putting down a deposit, you'll cover the full value of the van in monthly payments. Upon completing all payments, the Transit is yours.
    • Leasing: Lease the Transit for a certain duration, then return it at the end.
    • Personal Loan: Borrow the necessary funds, buy the Transit outright, then repay the loan in monthly payments.
  4. Obtain and Compare Finance Quotes:

    • Get quotes from Ford dealerships and independent finance providers. There might be promotional rates available for those eyeing a used Ford Transit on finance.
    • Compare the APR (Annual Percentage Rate) to understand the complete cost of borrowing.
  5. Review Your Credit Score:

    • Your credit rating can impact your eligibility and the rates available to you.
    • Examine your score with major UK credit bureaus (Experian, Equifax, TransUnion) and ensure there are no inaccuracies.
  6. Budgeting:

    • Decide on a monthly payment that aligns with your financial situation.
    • A higher deposit can reduce monthly rates.
  7. Understanding the Agreement:

    • For PCP or leasing deals, stay aware of any mileage restrictions and possible charges for exceeding them.
    • Familiarise yourself with any early termination fees or specific wear and tear criteria.
  8. Negotiation:

    • With your research as a foundation, negotiate both the vehicle price and finance terms. Especially if you're contemplating a used Ford Transit on finance, there's likely some room for negotiation.
    • Target a reduction in the overall amount payable over the term, not just the monthly instalments.
  9. Finalise the Deal:

    • Once you're content with the offer, proceed with the paperwork.
    • Always thoroughly read and understand all terms before committing, keeping a copy for your reference.
  10. Insurance:

  • Prior to taking the Transit on the road, ensure it's properly insured. Shop around for competitive rates.
  1. End-of-Agreement Options:
  • For PCP: At the conclusion, you can make the final payment, return the vehicle, or embark on a new agreement.
  • For HP: Ownership is transferred to you once all payments are settled.
  • For leasing, ensure the vehicle is returned in the agreed-upon condition.
  1. Additional Costs:
  • Account for other potential expenses like road tax, maintenance, servicing, and any unforeseen repairs.

It's crucial to align your finance choice with your present and projected financial landscape. If in doubt, it's a prudent idea to seek advice from financial experts or trusted acquaintances.

About the Ford Transit

The Ford Transit is synonymous with versatility, reliability, and practicality. Recognised as one of the most iconic and widely-used vans in the UK and around the world, the Transit has catered to the needs of businesses and individuals for several decades, solidifying its place as a reliable workhorse.

Features and Specifications:

  • Variety of Options: The Ford Transit comes in a range of sizes and body styles, from the compact Transit Courier to the larger Transit Custom and the full-size Transit, ensuring there's a model to suit every need.

  • Spacious Load Area: The Transit is known for its generous cargo space, designed to accommodate a wide variety of items, from tools and equipment to bulkier goods. Its flexible loading options also make packing and unpacking more straightforward.

  • Robust Performance: Under the bonnet, the Transit offers powerful yet efficient engines. These are designed to handle the demands of city driving and longer hauls while ensuring good fuel efficiency.

  • Modern Tech: Modern Transits come equipped with the latest Ford technology. Features like the Ford SYNC 3 infotainment system, smartphone integration, and advanced driver-assistance systems keep drivers connected and safe on the move.

  • Built for Durability: The Transit's robust build quality means it's designed to withstand the challenges of daily use in various environments, from bustling city streets to challenging construction sites.


The Ford Transit has long been a favourite among businesses, tradespeople, and those in need of reliable transport for larger loads. Its combination of space, versatility, and renowned durability make it a solid choice for those in search of a van that can handle the rigours of daily work and more. The Transit's continued evolution in terms of technology and efficiency ensures that it remains at the forefront of the commercial vehicle market.

Ford Transit Data by County

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

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
Bromley - Greater London1£15,995789,000-
City of Edinburgh7£16,928551,5714
City of London - Greater London16£27,365413,62216
County Durham19£13,6377109,2176
Greater Manchester12£12,4338110,5093
Newry and Mourne1£15,9505--
North Lanarkshire1£17,990766,0002
North Yorkshire1£31,99922,1709
Rhondda Cynon Taf2£12,9956118,0001
South Ayrshire1£25,99524,987-
South Yorkshire2£16,248762,9312
Tyne and Wear2£12,250885,576-
West Dunbartonshire5£12,795878,200-
West Midlands2£11,6476104,3891
West Sussex1£23,799225,941-
West Yorkshire19£23,093431,21316
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