Part of Evolution Funding, the UK’s largest motor finance and technology provider.
Fun to drive yet practical, compact but agile and affordable to boot. There are any number of reasons why the Ford Fiesta is one of the UK’s most popular small cars.
For decades, the Fiesta has consistently featured among the country’s top-selling vehicles, appealing to a wide range of drivers thanks to its affordability, practicality and enjoyable driving experience.
Suitable for first time and younger buyers, commuters looking for a vehicle with low running costs or budget-focussed households seeking a reliable everyday car, the Fiesta is a strong contender for all sorts of drivers.
For many UK motorists, car finance is the most accessible way to get behind the wheel. Ford Fiesta car finance allows you to spread the vehicle’s total cost over a series of manageable monthly payments plus interest. It makes budgeting simpler and reduces the need for a large upfront payment.
Combined with the Fiesta’s low insurance groups, strong fuel efficiency and affordable servicing, Ford Fiesta finance makes ownership more achievable.
At My Car Credit, we support a wide range of Ford Fiesta finance options, including personal contract purchase (PCP), hire purchase (HP), used car finance and solutions for drivers with bad credit.
Our fully online application process offers quick decisions and soft credit checks, meaning you can explore your car finance eligibility without impacting your credit score. As such, we make securing Ford Fiesta car finance more accessible for drivers of all backgrounds and circumstances.
So, whether you’re an early career professional or a used car buyer wanting a vehicle with low running costs, My Car Credit’s Ford Fiesta finance is suitable for motorists looking for a stress-free route to car ownership.
Why the Ford Fiesta is a smart choice for UK drivers
The Ford Fiesta has earned its popularity by offering a well-rounded, reliable package that suits modern UK driving needs.
Its compact size makes it easy to manoeuvre through narrow streets, park in tight spaces and navigate busy city traffic. But you’ll still feel stable and confident on motorways.
One of the Fiesta’s biggest advantages is its low insurance grouping. Many models sit in lower insurance bands, which helps keep premiums affordable. As such, the Fiesta particularly appeals to younger drivers, learners and anyone trying to minimise monthly costs.
Combined with excellent fuel efficiency, particularly from EcoBoost petrol engines and mild-hybrid options, the Fiesta remains one of the most economical cars to run in its class.
Its servicing and maintenance costs are also relatively low. Ford’s widespread dealer network across the UK means parts are readily available and competitively priced. With a long production history and strong demand, there’s excellent availability on the used-car market too, making it easier to find the right Fiesta model at the right price for you.
Thanks to its versatility, the Ford Fiesta appeals to a wide audience. It’s popular with learners and new drivers due to its forgiving handling, commuters who value fuel efficiency and small families looking for a dependable small car.
So, whether you’re buying your first vehicle or you simply want a cost-effective daily runaround, the Ford Fiesta is a smart, sensible choice.
Ford Fiesta models, trims & engine options
One of the Fiesta’s strengths is the wide variety of trims and engine options available, allowing drivers to choose a model that suits their lifestyle and budget.
Popular Fiesta trims include:
- Trend/Zetec – Well-balanced everyday trims offering good value, comfort and essential technology.
- ST-Line – Inspired by the performance-focused ST, this trim has sportier styling with upgraded suspension and design features.
- Titanium – Focused on comfort and technology, the Titanium trim often includes advanced infotainment and driver assistance features.
- ST – The high-performance option, delivering impressive power and engaging handling for driving enthusiasts.
Engine options for the Fiesta typically include petrol units, such as Ford’s renowned EcoBoost engines, alongside mild-hybrid variants designed to improve fuel efficiency. Manual and automatic transmissions are widely available, giving drivers plenty of choice.
Depending on the model year and trim, Ford Fiestas may include features such as touchscreen infotainment systems, smartphone connectivity, advanced safety systems and impressive MPG figures, making them both practical and modern vehicles.
Ways to finance a Ford Fiesta
The right car finance option for you will depend on your needs and circumstances.
That said, there are several ways to secure a Ford Fiesta on finance, including hire purchase (HP), personal contract purchase (PCP) and used car finance. We’ll talk these through below.
Hire purchase (HP) for a Ford Fiesta
Hire purchase is one of the simplest and most straightforward finance options available. With HP, you pay a fixed monthly amount over an agreed term (typically between two and five years) plus interest. Monthly payments are fixed, which helps with budgeting and long-term financial planning. Plus, once the final payment is made, you own the car outright.
One of the key benefits of HP is the absence of mileage limits. Because you’ll legally own the car at the end of the finance term, you’re free to drive as much as you like without worrying about excess mileage charges. With that in mind, HP is suitable for drivers who rely heavily on their car.
HP is a particularly popular agreement for used Ford Fiesta finance. Because used cars are generally cheaper than new ones, monthly payments can remain affordable while still allowing you to own the vehicle at the end of the agreement. As such, for drivers planning to keep their Fiesta long term, HP is often the most cost-effective solution.
Personal contract purchase finance on a Ford Fiesta
Personal contract purchase (PCP) offers more flexibility than HP and often comes with lower monthly payments. With PCP, you pay an initial deposit, followed by reduced monthly payments over the agreement term.
At the end of the term, you have three options. Make a final balloon payment to own the car, return it with nothing further to pay (subject to mileage and condition) or part-exchange it for another vehicle.
This makes PCP suitable for drivers who like to upgrade their car every few years. Because you’re only financing the car’s depreciation rather than its full value, monthly costs can be lower than HP. However, PCP agreements do typically come with mileage limits and condition requirements. For example, you may face a fine if you return a PCP car with more than fair wear and tear at the end of term.
For drivers who enjoy changing cars regularly or want access to newer Fiesta models and trims, PCP Ford Fiesta finance can be an attractive choice.
Used Ford Fiesta finance
The Ford Fiesta is one of the most widely available used cars in the UK, offering exceptional value for money. It’s a combination of the model’s long-term value, strong reliability and exceptional affordability that makes used Fiestas highly sought-after cars.
What’s more, used Ford Fiesta finance can mean lower monthly payments, making ownership more accessible for a wider range of budgets and credit profiles.
My Car Credit can provide Ford Fiesta car finance from any approved UK dealership, not just franchised Ford dealers. This gives you more choice and flexibility when searching for your used Fiesta.
Can I get Ford Fiesta finance with bad credit?
At My Car Credit, having a poor or bad credit profile doesn’t automatically disqualify your application for Ford Fiesta finance.
We understand that many drivers experience credit issues at some point, whether they’re due to missed payments, defaults or a limited credit history.
As part of the UK’s largest motor finance broker, we work with a panel of lenders who support a wide range of credit profiles. That includes applicants with bad or limited credit.
Our initial credit check is a soft search. The benefits of this are two-fold. It allows us to assess your eligibility and you to explore your options without harming your credit score.
Because the Ford Fiesta is relatively affordable and economical to run, your chances of securing Ford Fiesta car finance can be higher compared to more expensive vehicles. It can therefore be a more appropriate car finance agreement for applicants with limited credit histories.
No deposit Ford Fiesta finance
In some cases, no deposit Ford Fiesta finance may be available, depending on your affordability and lender criteria.
No deposit car finance allows you to finance the vehicle without any upfront savings, making it easier to get started quickly.
The main benefit of no deposit finance is accessibility. However, it’s important to note that monthly payments may be slightly higher because you’re financing the full value of the car.
You can check your eligibility for a variety of Ford Fiesta finance options with My Car Credit. Our initial credit check is only a soft search, so you can understand what options are available before committing.
Why finance a Ford Fiesta with My Car Credit?
More lender choice than dealership finance
Unlike dealership finance, we aren’t tied to Ford-only finance offers. We compare options from multiple lenders to find a solution that most suits your circumstances and needs.
Clear, simple pricing
We prioritise transparency, with clear pricing and no hidden fees or confusing terms.
Fast, fully online process
Our application process is quick and fully online. You can apply anytime and receive fast decisions without confusing, time-intensive paperwork.
Support for first-time and credit-challenged buyers
As an FCA-regulated, UK-based company, we offer expert support for first-time buyers and drivers with challenging credit histories.
Our approach is inclusive and supportive, helping more drivers access reliable, affordable transport regardless of their financial history.
A quick and hassle-free process
Get approved
Complete our online car finance application form for an instant answer on car finance. It's an initial soft search to apply.
Find a car
You can find a car first or apply for car finance and then look for a car – we don’t mind! Choose from any reputable car dealer.
Sign & Collect
Sign your paperwork online, from the comfort of your home. We’ll transfer funds next working day, ready for you to collect your car!
How to apply for Ford Fiesta finance
Apply online
Complete a short online application form. We’ll check your eligibility with an initial soft credit check.
Choose your Car
Choose your Ford Fiesta. Now you’ve got a sense of the budget you’re working with, you can choose your Fiesta (new or used) from any UK-based, approved dealer.
Finalise and drive away
Finalise your agreement and get on the road. We’ll help you handle any last-minute paperwork. Once all parties are happy, you collect your Fiesta keys and hit the road.
Kickstart your journey towards Ford Fiesta Finance with our online application form. It’s quick and easy to fill out, and we’ll give you a no-obligation quote in mere minutes.
Ford Fiesta Finance FAQs
Is a Ford Fiesta a good car to finance as a first vehicle?
Combining low insurance costs, high affordability and reliability and an excellent driving experience, the Ford Fiesta is an ideal car for first time buyers.
Can I finance a used Ford Fiesta with bad credit?
My Car Credit works with applicants of all circumstances. We combine a sensible approach with a wide panel of trusted lenders to help applicants find a suitable Ford Fiesta finance agreement for their credit profile and driving needs.
Is HP or PCP better for a Ford Fiesta?
The right Ford Fiesta car finance agreement for you depends on your motoring needs and circumstances. HP suits drivers looking for long-term ownership, while PCP offers flexibility and lower monthly payments.
How much does it cost to finance a Ford Fiesta per month?
The cost of a Ford Fiesta finance agreement depends on the vehicle model, finance agreement, deposit and term. There’s no ‘one-size-fits-all’ approach.
Do Ford Fiestas have low insurance costs?
Typically, Fiestas sit in low insurance groups, meaning their premiums are more affordable. As such, the car remains enduringly popular with drivers looking for more wallet-friendly ways to get behind the wheel.
Can I get Ford Fiesta finance without a deposit?
No-deposit car finance means you don’t have to pay an upfront lump sum of money, so it can be attractive to first-time buyers or those without the savings who want a new car. Your eligibility for no-deposit Ford Fiesta finance will depend on lender approval.
Can students or apprentices apply for Ford Fiesta finance?
My Car Credit understands how important a car can be to young drivers, students and apprentices. Provided you’ve met affordability criteria, you can be eligible for Ford Fiesta finance even if you’re a student or early career professional.
Approachable car credit specialists
When you apply for car finance with My Car Credit, you will be looked after by your own Car Credit Specialist. They are experienced in handling poor credit car finance and will hold your hand throughout the process, ensuring your experience is hassle-free. They can also provide advice and guidance on how to improve your poor credit profile.
You can also get a FREE credit report from Experian.
Our team are known for their approachability and professionalism – they have helped lots of poor credit customers secure car finance to buy the car of their dreams. You can read some of our customer feedback below.
After a difficult divorce and losing my job I thought my credit file would never allow me to rebuild my life. I first called My Car Credit and told them my journey. I was encouraged to apply and told I would receive an answer quickly... so I did, the next day I was arranging to collect my dream car... Audi Sports Convertible. Onwards and upwards, THANK YOU!
Nicky
17th Oct 2019
Looking for car finance with a not-so-perfect credit score was a daunting thought. Then I found My Car Credit. All I can say is what a simple and easy process the online application is, no pressure sales at all, very patient with my questions, excellent service, which is few and far between these days. Only took 4 days from my application to have the funds paid out to the dealership, now the owner of a nearly new car. I couldn’t be happier, and the interest rate was far better than anticipated.
Matt R
24th Aug 2018
The application process was really easy. Identifying our car was quick, especially as we knew what we wanted and then the purchase process was seamless! Our advisor was really helpful throughout the process and now we have a new car for a price that is affordable even with our poor credit.
Chris MT
27th Sep 2018
I had an amazing experience with this company. After being refused elsewhere and feeling down, this company was like a breath of fresh air. The customer service was second to none. Got everything done promptly with no hassle. Definitely recommend.
Shahida
28th Sep 2019
Much more efficient and friendly than the main name competitors and found me a 25% lower rate. They also let you get on with your day to day without constantly hounding and calling like other companies, but at the same time still communicate effectively.
Rhys T
27th Feb 2019
Great company to deal with. Agreed finance even though my credit score was low, not through bad credit but through little credit.
Claire M
11th July 2019
Require more help?
Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!
or call 01246 458 810