Ford Bank GmbH products, services and reviews

About Ford Bank GmbH

Ford Bank GmbH is the captive financial services entity for Ford in Germany, based in Cologne, operating within Ford Credit’s European network (FCE Bank group) and supervised by BaFin with oversight by the Deutsche Bundesbank under the German Banking Act. The bank’s core activities cover retail auto financing and leasing for private and business customers, wholesale (floorplan) and working-capital facilities for Ford dealerships, and the mediation of motor-related insurance and protection products. Distribution is primarily via the Ford dealer network, with application and contract management supported by digital channels. Credit approval typically includes affordability checks and the use of external credit bureaus such as Schufa, and loan contracts in Germany commonly involve vehicle title transfer for security (Sicherungsübereignung); in leasing, vehicle ownership remains with the lessor and residual value risk is managed contractually. Pricing depends on customer risk, term, vehicle type, and manufacturer-backed campaigns; promotional rates may be offered on specific models and periods. Standard terms cover early repayment rules, fees, and mileage or wear clauses for leasing. The institution applies group risk governance, capital, and liquidity standards aligned with EU CRR/CRD requirements and uses hedging where appropriate to manage interest rate and currency exposures. Customer service and documentation are provided in German, with service delivered through dealers and centralized support channels.