Frequently Asked Questions

GENERAL

How do I contact Ford Finance?

Call Us

Ford Finance’s team of Customer Care specialists are available Monday - Friday 8:30AM to 5:30PM AEST (except public holidays).

• In Australia - 1300 280 583
• From overseas - +61 2 8349 2297
• National Relay Service - Call us with help from NRS

Online Enquiries & Support

Got a question or looking for support? Visit the Ford Finance Customer Hub to complete the online enquiry form and a Customer Care specialist will get in touch.

Ford Finance Customer Hub

Who is Ford Finance?

Ford Finance provides a range of auto finance loans to personal and business customers looking to purchase new or used Ford vehicles from participating Ford dealerships.

Finance is provided by Angle Auto Finance Pty Ltd trading as Ford Finance ABN 16 161 130 696, Australian Credit Licence 530731.

What if my loan contract was with the previous financier?

From 1 May 2025, loans previously managed under the MyFord Finance brand were rebranded to Automotive Finance.

Automotive Finance customers (formerly MyFord Finance), can access the Automotive Finance customer portal here.

For support with managing and staying informed about your loan contract, we recommend contacting enquiries@automotive-finance.com.au or 1300 981 295.

Allied Retail Finance Pty Ltd trading as Automotive Finance ABN 31 609 859 985 Australian credit licence 483211

Do Ford Finance offer Financial Hardship support?

Please visit the Ford Finance Customer Hub for information on Financial Hardship support.

Where do I find important information on Ford Finance loan products?

Visit Ford Finance Customer Hub to view Important Documents, including:

• Target Market Determination for consumer fixed rate loan
• Credit Guide
• Fees & Charges Guide - Consumer Fixed Rate Loan
• Fees & Charges Guide - Commercial Vehicle Loan
• Guaranteed Future Value Fair Wear and Tear Guide
• Break Costs Info Sheet
• Credit Reporting Policy
• Complaints Policy
• Credit Reporting Statement of Notifiable Matters
• Privacy Policy
  
  

What if I have a Ford Finance complaint?

Please visit this page for more information on how to make a complaint.

APPLYING FOR FINANCE

How do I find out what my interest rate or repayments will be?

To get a personalised quote on your preferred vehicle, including interest rate and repayments, please speak with a Ford Finance accredited Business Manager at your participating Ford Dealer.

How do I apply for finance?

To request a personalised quote including interest rate and repayments; or apply for a vehicle loan, please speak with a Ford Finance accredited Business Manager at your participating Ford Dealership.

If I want to apply for consumer finance in the dealership, what will I need with me when visiting?

To apply for a Ford Finance loan for personal use, the documents and information you may need with you are:

• Primary and secondary identification (one source of ID must be a driver’s licence)
• Proof of income: 2-3 recent payslips from your employer or PAYG statement if a business
• Proof of residence: 2 x recent rate or other notices with your current address shown
• Details of your living expenses and liabilities

Please note: Additional information may be needed as part of the application process.

If I want to apply for commercial finance, what documents do I need with me at the dealership?

ABN Holders

You will be required to provide the following on the Ford Finance application:

• Confirm you’re an ABN holder
  • If Sole Trader or Partnership by providing proof of ABN registration
  • If a Company, you will need to provide company information including details of shareholders and directors
  • If a Trust, you must provide details of the trust such as a certified trust deed and details of any beneficiaries
• Declare that the vehicle will be used primarily (more than 50%) for business purposes
• Financial information
  • Recent business financial statements for the last 18 months
  • Recent business income tax return for the last 18 months
• Primary and secondary identification for the primary applicant (one source of ID must be a driver’s licence) and any other individuals associated with the ABN
• Proof of residence: 2 x recent statements or invoices with your current address shown

Tool of Trade

You will be required to provide the following on the finance application:

• Declare that the vehicle will be used primarily (more than 50%) for business purposes
• Proof of car allowance for tool of trade
• Primary and secondary identification (one source of ID must be a driver’s licence)
• Proof of residence: 2 x recent statements or invoices with your current address shown
• Proof of income: 2-3 recent payslips from your employer

Please note: For both ‘ABN Holder’ and ‘Tool of Trade’ applicants, additional information may be required as part of the application process.

What is a balloon payment on my loan?

A balloon payment is a lump sum you agree to pay at the end of your car loan. It reduces your regular repayments, making them more affordable over the loan duration.

However, you’ll pay more interest overall. This is due to interest being accrued on the large balloon amount over the full loan duration, despite the non-balloon portion reducing with each repayment. On a loan without a balloon the full principal is repaid over the loan term, resulting in less interest payable overall.

A balloon payment might suit you if you want lower repayments. Just remember you’ll need to pay or refinance the lump sum when the loan ends.

What should I be aware of before choosing a balloon payment?

Here are some important things to consider:

• It’s easy to forget about the final payment, so make sure you plan for it. You’ll still owe a large amount at the end.
• You may need to sell or trade in your car. Many people use the value of the car to help pay back the balloon. If your car’s value is less than expected, you’ll need to cover the difference.
• Refinancing is not guaranteed. If your financial situation changes, or if interest rates go up, it might be harder or more expensive to refinance the balloon later.
• You’ll pay more interest overall. This is due to interest being accrued on the large balloon amount over the full loan duration, despite the non-balloon portion reducing with each repayment. On a loan without a balloon the full principal is repaid over the loan term, resulting in less interest payable overall.
• It may not suit long-term car keepers. If you plan to keep the car well beyond the loan term, a loan with a balloon payment costs more in the long run.
  
  

What is a personalised rate?

Ford Finance offer personalised rates to customers based on their credit profile. This means the interest rate you receive isn't a predetermined, one-size-fits-all approach. Instead, it is personalised rate pricing based on your specific circumstances, including credit history, asset quality and information provided in your application. To find out your personalised finance rate, please get in touch with your preferred Ford Finance Business Manager at a participating Ford Dealership.

What is a Target Market Determination and where can I find a copy?

The Target Market Determination (TMD) outlines the class of consumers for which a product has been designed, having regard to the objectives, financial situation and needs of the target market. The TMD is not a summary of the terms and conditions of the Fixed Rate Loan Product and is not intended to provide financial advice.

Please visit Important Documents to view the TMD for the Fixed Rate consumer loan.

Can I sell my car while it’s still under finance?

Your car is held by Ford Finance as security for the term of your loan. If you’re thinking about selling it, please get in touch with a Customer Care Specialist who can discuss the options available to you.

Is comprehensive insurance required while my car is financed?

Yes. Comprehensive insurance is always required on the secured vehicle throughout the term of the loan or lease. This means you need to make sure you renew it every year.

Guarantee Future Value FAQs

What is the Guaranteed Future Value (GFV)?

Guaranteed Future Value^* is the minimum future value of your vehicle at the end of the loan term and is determined by Ford Finance before the start of your loan. If you choose to return your vehicle at the end of the term, you can use the GFV to satisfy the balloon amount on your finance contract.

What happens at the end of a loan with GFV?

You have three options for your vehicle:

1. Trade it:

• At the end of the loan term, you can choose to trade in your vehicle at a participating Ford dealer, giving you the chance to step into another eligible new or demonstrator vehicle, however if there are still any amounts owing on the loan this will need to be repaid.

2. Keep it:

• You may also wish to keep your vehicle and not use the GFV by paying the outstanding amount owing on your finance contract.

3. Return it:

• Or you may choose to return your vehicle to Ford Finance for the GFV (subject to the GFV terms and conditions). It’s your choice and allows flexibility to suit your situation.
  
  

How does the GFV work with my finance contract?

Once you have chosen your vehicle, you can choose your preferred loan term and how many kilometres you plan to travel within a year. We will then tell you what your GFV is. While the GFV is a separate product to your loan, your GFV amount will be equal to the balloon amount of your loan, which is the lump sum repayment at the end of the loan term.

What are the available annual kilometre allowances?

A range of options are available depending on the vehicle purchased. It’s important that you pick an annual kilometre limit that matches the amount you expect to drive, because the kilometre option cannot be amended once the loan has started (settled).

Also any kilometres driven in excess of this limit will incur an excess kilometre charge (an amount per extra kilometre) that is deducted from the GFV amount at the end of your loan term. Refer to the GFV Product Information Guide here for more information.

What happens if I want to use the GFV at the end of the loan term?

You must tell Ford Finance or your participating Ford dealer your intention to use the GFV and an inspection of your vehicle will be organised. You will be advised upon completion of the inspection whether the vehicle meets the Fair Wear and Tear Guidelines, is within contracted kilometres and whether other contractual obligations have been met. If all conditions are met, you return the vehicle to Ford Finance and the GFV will be used to satisfy the balloon amount under your finance contract.

Do I have to keep the vehicle in good condition?

Yes, if you decide to return the vehicle to Ford Finance at the end of your loan, it will be subjected to an inspection on whether it meets the Fair Wear and Tear Guidelines. These guidelines will be provided to you before you enter the finance contract, so you’ll know upfront what’s expected. They are also available at www.ford-finance.com.au

What happens if the vehicle doesn’t meet the Fair Wear and Tear (FWT) Guidelines?

If you choose to return your vehicle to Ford Finance at the end of the term and your vehicle does not meet the FWT Guidelines, you will be given the opportunity to repair the vehicle at your own cost. Should the vehicle not be repaired to standard, the value of your GFV may be reduced.

Can I use the GFV before the end of the term?

If you decide to pay out the loan early (before the end of the term), you cannot use the GFV.

Do I pay more for GFV?

A loan with GFV can have a higher interest rate than one without, resulting in higher interest costs. Additionally, a GFV option comes with a balloon and amortises slower than a loan without a balloon, which can also result in higher interest costs. We recommend that you seek independent financial advice to determine if this option is suitable for you.

Do I own the vehicle?

Yes. The GFV is an option on a loan not a lease. If you decide to return the vehicle at the end of the term, you will essentially be selling the vehicle back to Ford Finance.

Can I sell my vehicle privately?

Yes, you can simply pay out the amount owing on your finance contract, however the GFV won’t apply.