Rate Comparison - October 2026
| Scenario | Lender | Representative APR | Typical term | Notes |
|---|---|---|---|---|
| New Ford - promotional | Ford Financial Services | 0–9.9% (0% promos available) | 2–5 years | 0% available on Transit/Transit Custom - subject to availability and credit approval |
| New Ford - standard | Ford Financial Services | 0–9.9% | 2–5 years | Standard dealer finance |
| New or used Ford | Broker (Close Brothers / Novuna) | 4.5–12% | 1–7 years | Multi-lender comparison |
| Used Ford or adverse credit | Broker (Aldermore / Haydock) | 5.5–16% | 1–7 years | Specialist underwriting |
When Ford Financial Services Wins
- New Ford Transit or Transit Custom with active 0% promotional rate
- Buying through a Ford dealer with a full finance and service package
- Short-term (2–3 year) PCP or HP where the 0% promotion applies
- Dealer-matched accessories, warranty or service plan bundled into finance
Dealer finance promotional rates - particularly 0% or sub-4% offers - are subsidised by the manufacturer and cannot be replicated by independent lenders. If you are buying a new Ford Van and qualify for the promotional rate, Ford Financial Services will almost certainly be the cheapest option available.
When an Independent Broker Wins
- Used Ford vans of any age - Ford Financial rarely finances used non-approved stock
- Any non-Ford van brand - broker gives you multi-lender access
- Adverse credit applicants - Ford Financial's scoring is strict
- Businesses wanting to compare multiple brands before committing
- Longer terms (5–7 years) where captive rates become uncompetitive
Outside of promotional windows, independent lenders frequently beat captive rates - particularly for used vehicles, multi-brand purchases or applicants with imperfect credit histories. A broker also gives you negotiating leverage: knowing the market rate lets you challenge the dealer on finance terms.
Our Verdict
Check the manufacturer promotional rate first. If it is genuinely 0% or sub-5% and you are buying new, take it. For everything else - used vehicles, adverse credit, multi-brand fleets or loan sizes below the promotional minimum - contact Doulton Bridging Finance and we will identify the most competitive independent lender within hours.