Great price
Ford Focus
2013 Zetec 105
PetrolManual93,811 mi2013
Band E · £200/yr
£60/mo
£2,499
cash
AB Dealers·4.6 (196)· Feltham
Ford Focus representative finance example
A genuine Hire Purchase quote for a 2020 Ford Focus currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £207
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £8,995.00
- Cash deposit
- £0.00
- Total amount of credit
- £8,995.00
- Total amount payable
- £12,427.00
- Representative APR
- 14.4%
- Total charge for credit
- £3,431.00
- Fixed rate of interest pa
- 7.63%
- Option to purchase fee
- £1.00
The legal bit
OAK TREE MOTOR COMPANY WALES LIMITED is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 448152).
Dealers can introduce you to a limited number of preferred lenders and/or brokers. No advice or recommendation is made — you must decide whether the finance is right for you.
Finance is subject to status (income, employment and creditworthiness) and approval. Available to permanent UK residents aged 18 and over. Terms and conditions apply.
How Ford Focus finance works
PCP (Personal Contract Purchase)
Lower monthly payments because a large "optional final payment" is deferred to the end. At the end you choose to pay it and keep the Focus, hand it back, or part-exchange. Mileage limits apply.
How PCP works →HP (Hire Purchase)
The whole price (minus deposit) is spread over the term. Payments are usually higher than PCP, but you own the Focus outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a Ford Focus
Check your eligibility for Ford Focus finance in about 60 seconds. It's a soft search, so it leaves no footprint on your credit file and you're under no obligation to go ahead.
Check my eligibilityFord Focus in stock now — from £2,499
Fair price
Ford Focus
2018 Zetec Edition
PetrolManual76,565 mi2018
£200/yr
£145/mo
£5,995
cash
Durnford Motors·4.5 (179)· Southampton
Great price
Ford Focus
2016 Titanium
PetrolManual35,666 mi2016
Band B · £20/yr
£143/mo
£6,260
cash
Cobalt Motors·4.5 (136)· West Allotment
Good price
Ford Focus
2015 Zetec Auto
PetrolAutomatic52,551 mi2015
Band F · £225/yr
£177/mo
£6,690
cash
Ezy Access·4.5 (207)· Ruislip
Ford Focus
2015 Zetec Auto
PetrolAutomatic51,443 mi2015
Band F · £225/yr
£185/mo
£6,990
cash
Ezy Access·4.5 (207)· Ruislip
Fair price
Ford Focus
2018 Zetec
PetrolManual74,779 mi2018
£200/yr
£167/mo
£7,195
cash
Durnford Motors·4.5 (179)· Southampton
Fair price
Ford Focus
2018 Zetec Tdci
DieselManual77,028 mi2018
£200/yr
£174/mo
£7,495
cash
Durnford Motors·4.5 (179)· Southampton
Good price
Ford Focus
2017 Titanium X
PetrolManual35,740 mi2017
Band B · £20/yr
£186/mo
£7,980
cash
Cobalt Motors·4.5 (136)· West Allotment
Above market
Ford Focus
2018 Titanium
PetrolManual67,161 mi2018
£200/yr
Finance available on request
£8,495
cash
Durnford Motors·4.5 (179)· Southampton
Fair price
Ford Focus
2019 Titanium
PetrolManual64,819 mi2019
£200/yr
£196/mo
£8,790
cash
Ezy Access·4.5 (207)· Ruislip
Fair price
Ford Focus
2018 Fiesta St-line Auto
PetrolAutomatic55,869 mi2018
£200/yr
£203/mo
£8,987
cash
AB Dealers·4.6 (196)· Feltham
Good price
Ford Focus
2020 St-line X Tdci Auto
DieselAutomatic108,008 mi2020
£200/yr
£207/mo
£8,995
cash
Oaktree Motor Company·4.7 (193)· Torfaen
Fair price
Ford Focus
2018 St-line
PetrolManual48,701 mi2018
£200/yr
£221/mo
£9,495
cash
Durnford Motors·4.5 (179)· Southampton
Above market
Ford Focus
2018 St-line
PetrolManual33,056 mi2018
£200/yr
£223/mo
£9,899
cash
AB Dealers·4.6 (196)· Feltham
Fair price
Ford Focus
2019 St-line
PetrolManual52,341 mi2019
£200/yr
£225/mo
£9,995
cash
Durnford Motors·4.5 (179)· Southampton
Above market
Ford Focus
2017 Fiesta St-line Auto
PetrolAutomatic24,195 mi2017
£200/yr
£248/mo
£10,994
cash
AB Dealers·4.6 (196)· Feltham
Fair price
Ford Focus
2016 St-3 Tdci
DieselAutomatic84,315 mi2016
Band C · £35/yr
£262/mo
£11,495
cash
Oaktree Motor Company·4.7 (193)· Torfaen
Fair price
Ford Focus
2019 Vignale Auto
PetrolAutomatic25,630 mi2019
£200/yr
£284/mo
£12,995
cash
AB Dealers·4.6 (196)· Feltham
Fair price
Ford Focus
2023 St-line Vignale Mhev A
PetrolAutomatic60,610 mi2023
£200/yr
£311/mo
£14,203
cash
AB Dealers·4.6 (196)· Feltham
Good price
Ford Focus
2020 St
PetrolManual34,000 mi2020
£200/yr
£379/mo
£17,500
cash
Hanworth Autos Ltd·4.3 (32)· Feltham
Fair price
Ford Focus
2020 St
PetrolManual11,648 mi2020
£200/yr
£492/mo
£22,695
cash
Maybury Car Sales·4.7 (10)· Edinburgh
Frequently asked questions
- How much is a Ford Focus on finance per month?
- Finance on a used Ford Focus starts from around £60 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked Ford Focus deal with the full APR and totals.
- Can I get a Ford Focus on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used Ford Focus listings through our approved dealers. PCP keeps monthly payments lower by deferring a large "optional final payment" to the end; you then choose to pay it and keep the car, hand the car back, or part-exchange. Finance is subject to status and approval.
- PCP or HP on a Ford Focus — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Focus outright at the end and monthly payments are usually higher. PCP defers part of the value to a final balloon payment, so monthlies are lower but you don't automatically own the car. HP suits high-mileage drivers who want to keep the car; PCP suits lower monthly budgets and shorter ownership. Our PCP-vs-HP guide explains the trade-offs.
- Can I get Ford Focus finance with bad credit?
- Possibly. Some of our approved dealers work with lenders that consider applicants with a poor or limited credit history, though the APR is typically higher and approval is never guaranteed. Finance is always subject to status, income and creditworthiness. See our bad-credit car finance guide before applying.
- How much deposit do I need for a Ford Focus?
- There's no fixed minimum — many Ford Focus agreements are available with a small or even zero deposit, subject to status. A larger deposit lowers the amount you borrow and your monthly payments. The representative example on this page shows the deposit used for that specific quote.
- How much is a used Focus per month on finance?
- We currently don't have a representative finance example for the Ford Focus, so we cannot provide a typical monthly cost. Finance is subject to status and will vary based on personal circumstances.
- What deposit and APR do I need?
- As we don't have a representative finance example for the Ford Focus, we cannot state a typical deposit or APR. The actual deposit and APR you need will depend on your credit history and affordability, determined by a lender.
- How do Hire Purchase (HP) and Personal Contract Purchase (PCP) differ for a Ford Focus?
- With HP, you own the Ford Focus outright after the final payment. PCP offers lower monthly payments by deferring a significant portion of the cost to an optional final 'balloon' payment, giving you options at the end of the term.
- Can I get finance on a used Ford Focus with the price range shown?
- Yes, it is generally possible to get finance on a used Ford Focus within the 2499 GBP to 17500 GBP price range. Finance is subject to status, and the cheapest models may have monthly payments starting from around 60 GBP.