Motoring Today

Ford Focus under £200 per month

3 used Ford Focus listings from £167/mo under £200 a month, with real broker quotes. Tap any "£X /mo" to see that dealer's full representative example. Finance is subject to status; terms and conditions apply.

We currently have 4 used Ford Focus models available for under £200 per month, with our listings updated on 3 October 2026. This selection includes models with cash prices ranging from £2,499 to £8,800. These finance examples are based on a representative Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement, typically requiring a deposit of £0, over a 60-month term, and with a representative APR of 13%. Please note that finance is subject to status, and actual rates and terms may vary. At this monthly payment level, a Ford Focus typically offers a balanced combination of practicality, driving dynamics, and fuel efficiency. It's a popular choice in the compact family car segment, often praised for its comfortable ride and engaging handling. Our cheapest Ford Focus starts from just £60 per month, providing an accessible entry point into ownership for this versatile model. Each listing on Motoring Today also includes its ULEZ status and full MOT history for complete transparency.

In stock
3

Live Ford Focus listings

From / month
£167/mo

Cheapest representative quote

Monthly budget
£200

Under £200 a month

Other monthly budgets:Under £150Under £200Under £250Under £300Under £400Under £500
Ford Focus
Fair price

Ford Focus

2018 Zetec

PetrolManual74,779 mi2018
£200/yr
£167/mo
£7,195
cash

Durnford Motors·4.5 (181)· Southampton

Ford Focus
Fair price

Ford Focus

2018 Zetec Tdci

DieselManual77,028 mi2018
£200/yr
£174/mo
£7,495
cash

Durnford Motors·4.5 (181)· Southampton

Ford Focus
Fair price

Ford Focus

2018 St-line

PetrolManual33,056 mi2018
£200/yr
£199/mo
£8,800
cash

AB Dealers·4.6 (235)· Feltham

Frequently asked questions

What deposit is typically needed to get a Ford Focus under £200 per month?
Our representative finance example for a Ford Focus shows 0 deposit over 60 months at 13% APR for an HP agreement. A larger deposit would typically reduce your monthly payments, helping you stay under £200. Finance is subject to status.
Does my credit score affect the monthly payment for a Ford Focus?
Yes, the monthly payment can be affected by your credit score. The interest rates quoted are representative; the personal APR offered to you will depend on your individual credit history and affordability checks.
Should I choose HP or PCP finance for a Ford Focus on this budget?
HP (Hire Purchase) means you own the Ford Focus outright after the final payment, while PCP (Personal Contract Purchase) often offers lower monthly payments but requires a final balloon payment to own the car. Our comprehensive PCP vs HP finance guide explains these options in full detail.