In-house Financing
Ford Philippines Credit
Buyers of Ford vehicles can apply for Ford Philippines Credit directly at any authorized dealership. Interest rates range from 7.5% – 14% p.a., with a 20% down payment requirement and repayment periods of 12 – 60 months. Ford Credit Philippines occasionally offers 0% interest for 12-month terms on select Everest and Ranger units.
Interest Rate
7.5% – 14% p.a.
Loan Term
12 – 60 months
Down Payment
20%
Processing
3 – 5 business days
Requirements
Valid government-issued ID (passport, driver's license, or UMID)
Proof of income (latest 3 months payslips or ITR)
Proof of billing address (utility bill dated within 3 months)
TIN (Tax Identification Number)
Pros & Cons
Advantages
- Rates from 7.5% p.a. are arranged directly at the Ford dealership — no separate bank visit needed.
- Down payment as low as 20% lowers the cash outlay versus most bank-required 20–30%.
- Loan terms of 12 – 60 months give flexibility to match your monthly budget.
- Approval in 3 – 5 business days is faster than most bank channels.
- Dealer-exclusive promos (free accessories, insurance, or PMS) are often bundled with financed units.
Drawbacks
- Maximum rate of 14% p.a. on longer terms exceeds rates at the lowest-cost banks.
- Financing is limited to Ford vehicles — you cannot use it for other brands.
- Pre-termination penalties of 3–5% of remaining balance may apply.
- Used Ford vehicles are typically not eligible under this in-house program.
Frequently Asked Questions
What is the Ford in-house financing rate in 2026?
Ford Philippines Credit rates range from 7.5% – 14% p.a. depending on the model, loan term, and down payment amount. Promo rates may be lower during sales events.
Can I apply for Ford Philippines Credit online?
Most Ford dealerships accept online inquiries and can pre-qualify you remotely. Final document submission and signing are done at the dealership.
How much down payment does Ford Philippines Credit require?
The minimum down payment is 20% of the vehicle selling price. Higher down payments reduce your monthly amortization and may qualify you for a lower interest rate.
Does Ford Philippines Credit cover used cars?
Ford Philippines Credit primarily finances brand-new Ford units purchased from authorized dealers. For used Ford vehicles, you would typically need to apply through a bank auto loan.
What is the fastest way to get approved for a Ford car loan?
Prepare all required documents (valid ID, income proof, billing proof) before visiting the dealership. Complete applications with 20% or higher down payment are often approved within 3 – 5 business days.