The Ford Focus is one of the most popular used cars in the UK. With Concept Car Credit you can drive one away on the same day you visit us, even if you have bad credit or no deposit. We offer personal contract purchase (PCP) finance options that fit your budget, with many customers approved within an hour.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
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PCP is a flexible way of getting a used Ford Focus on finance. You pay a fixed monthly amount over an agreed term, with three options available once you get to the end of your term:
Your monthly payments are calculated based on the price of your used Ford Focus, your deposit amount (if applicable), the length of your finance term and the representative APR.
Just note that Concept Car Credit is a credit broker, not a lender. We work with a panel of nine lenders to find the right, affordable PCP agreement to match your financial situation.
Yes. Concept Car Credit has helped more than 30,000 people with all types of credit history, including those looking for car finance with bad credit, or those with no history and previous CCJs or missed payments. Your application is assessed on your full financial situation, not just your credit score.
Checking your eligibility with us will not affect your credit score. We use a soft credit search at the initial stage, which lenders don’t see.
You also have the option to apply for car finance on your used Ford Focus with little or no deposit.
Most customers are approved and drive away within an hour of applying. There are no lengthy waits or reams of paperwork. Just apply online today and be in your new car on the same day.
We’ve spent over one million pounds reconditioning our used car fleet. Every Ford Focus in our stock goes through a thorough safety inspection, a complete mechanical check, and a full, up-to-date MOT before you buy.
We can structure your PCP agreement around weekly rather than monthly payments if it better suits your income pattern, for example if you’re paid weekly or have a variable income.
If your circumstances change, we can adjust your payment plan. No hidden penalties, no rigid terms. We’ll always work with you.
Your Ford Focus comes in several trim levels and which one you choose depends on your priority and preference depending whether you want technology, comfort, performance or practicality.
The Zetec is the entry point for the Focus range, offering value for everyday drivers. Standard features include Ford SYNC infotainment, a DAB radio and air conditioning. If you want a reliable Focus on finance, the Zetec is a strong starting point.
The ST-Line gives you a sportier look without the ST running costs. Get a unique body style, firmer suspension 18-inch alloy wheels or upgrade further with the ST-Line X with features like a panoramic sunroof and upgraded sound system.
The Titanium is a great choice if you prefer comfort with automatic headlights, rain-sensing wipers, rear-parking sensors and Apple CarPlay and Android Auto as standard. The Titanium X adds a heated steering wheel, a larger touchscreen, Ford’s SYNC infotainment and built-in sat nav.
If you want a more rugged appearance and raised rising height without SUV prices, The Active Focus could be the right choice. It sits higher than a standard family hatchback and all-weather tyres along with unique exterior styling and more interior refinements in The Active X model.
The ST is the performance model of the Ford Focus range. It’s powered by a 2.3 litre EcoBoost petrol engine producing about 280bhp along with Brembo brakes, adaptive dampers and Recaro sports seats. This could be the ideal choice if you’re looking for a Focus with a better driving experience.
The Ford Focus is available with a range of petrol, diesel and mild hybrid engine options. At Concept Car Credit we have a wide range of Focus cars available including a range of engine types.
The 1.0 EcoBoost is the most popular engine in the Focus range. Available in 85bhp, 100bhp and 125bhp variations you get a good combination of performance and fuel economy. Real-world driving delivers around 55mpg on average, so it’s one of the most cost-effective options for regular drivers.
If you regularly drive long distances and need the best fuel economy this could be the best option. On average this engine type gives you between 50mpg and 60mpg depending on your driving style. Road tax costs are also low on Euro-6 EcoBlue models.
Some later Focus cars have a 49-volt mild hybrid system along with a 1.0 EcoBoost petrol engine. When you brake the system recovers energy to help the engine, which can lower fuel use and CO2 emissions.
The Ford Focus is a five seat hatchback with a standard 375-litre boot, so it’s a practical option in its vehicle class. If you need more boot space, the Estate model increases capacity to 609 litres, which is similar to a Volkswagen Golf Estate, Vauxhall Astra Sports Tourer and BMW 1 Series.
On safety the Focus has a five star Euro NCAP rating with both adult and child protection so it’s one of the safest family hatchbacks on the market.
If you’re thinking about keeping kids entertained on long trips, you have Apple CarPlay and Android Auto across most trim levels plus Ford SYNC infotainment, adaptive cruise control, parking sensors and heated front seats on the higher spec models.
Many customers think that if they choose to finance a used car, it will be a lengthy process filled with endless contracts and complicated jargon. But this is not the case.
Here at Concept Car Credit, we aim to get customers in the driver’s seat as quickly as possible – with most driving off within just an hour of applying.
With us – even if you’ve had credit problems in the past – we provide contracts that can easily be tweaked to stay in line with your budget, with a competitive excess mileage charge that won’t break the bank. We can even alter your weekly payments to represent your financial situation.
Browse our available models and find your perfect Ford Focus for sale today!
If you want to get behind the wheel of a pre-owned Ford Focus on finance with a contract that suits you and your budget, Concept Car Credit is here to help.
Whether you’re looking for the classic Ford Focus or something special – like the Active Edition – we have a wide range of Ford models for you to make yours.
For an invitation down to our Manchester showroom, all you need to do is call us!
Or, you can email us and we’ll get back to you as soon as possible with more information on the next steps.
Use our car loan calculator to give you a better indication of how your payments will look.
Your monthly PCP payment depends on the vehicle price, your deposit, the length of your term agreement and the representative APR.
At Concept Car Credit we tailor every agreement to your budget. Use our online finance calculator to get an idea how much your payments could be.
Apply for finance today and see how much you could save by opting for a Ford Focus on finance rather than buying new!
Yes, you don’t need a deposit to apply for car finance with Concept Car Credit.
A deposit could help reduce your monthly payments but you can still choose from our full range of Ford Focus models without one.
No. Our initial eligibility check uses a soft credit search, which doesn’t appear on your credit file and isn’t visible to lenders.
We only record a hard search after you’ve agreed to a finance option, but as long as you continue to make your payments it won’t affect your score negatively, and could improve it.
The Ford Focus has a strong reliability record across models.
Every Focus at Concept Car Credit goes through a full safety inspection, mechanical check and MOT before sale.
To help you decide, get in touch with our experienced and friendly team – they would be delighted to find a car that ticks all the boxes for your needs.
The ST-Line suits drivers wanting a sportier look and feel without the cost of the full ST performance model.
You get the unique body styling, firmer suspension and larger alloy wheels, but if you do a lot of motorway driving and need comfort over performance, you might be better with the Titanium or Titanium X model.
Browse our selection of Ford Focus models and book an appointment to see them in person when you are ready – you will be able to test drive an ST at this time if you like!
Yes. All Ford Focus models sold in the UK are right-hand drive as standard, including the Ford Focus Active. There is no left-hand drive version available through UK dealerships.
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