Motoring Today

Ford Focus under £400 per month

18 used Ford Focus listings from £60/mo under £400 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.

There are currently 18 Ford Focus models available on Motoring Today for under £400 per month, as of 16 August 2026. This page filters our stock to help you find a Focus that fits your budget. Finance is subject to status; for this selection, the representative example assumes a 60-month HP agreement at 13% APR, with no deposit required. For a Ford Focus, a monthly budget of under £400 typically secures a wide range of options, with the cheapest examples starting from just £60 per month. The cash price equivalent for these qualifying cars ranges from £2,499 to £17,500. Each individual listing includes its own representative finance example from the selling dealer, allowing for direct comparisons.

In stock
18

Live Ford Focus listings

From / month
£60/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

Ford Focus
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
Fair price

Ford Focus

2018 Zetec Edition

PetrolManual76,565 mi2018
£200/yr
£145/mo
£5,995
cash

Durnford Motors·4.5 (179)· Southampton

Ford Focus
Fair price

Ford Focus

2018 Zetec

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

Durnford Motors·4.5 (179)· Southampton

Ford Focus
Fair price

Ford Focus

2018 Zetec Tdci

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

Durnford Motors·4.5 (179)· Southampton

Ford Focus
Great price

Ford Focus

2017 Titanium X

PetrolManual35,740 mi2017
Band B · £20/yr
£174/mo
£7,480
cash

Cobalt Motors·4.5 (143)· West Allotment

Ford Focus
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
Fair price

Ford Focus

2019 St-line

PetrolManual60,645 mi2019
£200/yr
£194/mo
£8,690
cash

Ezy Access·4.5 (207)· Ruislip

Ford Focus
Fair price

Ford Focus

2019 Titanium

PetrolManual64,819 mi2019
£200/yr
£196/mo
£8,790
cash

Ezy Access·4.5 (207)· Ruislip

Ford Focus
Fair price

Ford Focus

2018 St-line

PetrolManual33,056 mi2018
£200/yr
£204/mo
£9,054
cash

AB Dealers·4.6 (196)· Feltham

Ford Focus
Fair price

Ford Focus

2018 St-line

PetrolManual48,701 mi2018
£200/yr
£221/mo
£9,495
cash

Durnford Motors·4.5 (179)· Southampton

Ford Focus
Fair price

Ford Focus

2019 St-line

PetrolManual52,341 mi2019
£200/yr
£225/mo
£9,995
cash

Durnford Motors·4.5 (179)· Southampton

Ford Focus
Good price

Ford Focus

2020 St-line X

PetrolManual44,146 mi2020
ULEZ ✓£200/yr
£243/mo
£10,890
cash

Ezy Access·4.5 (207)· Ruislip

Ford Focus
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

Ford Focus
Fair price

Ford Focus

2019 Fiesta St-line Auto

PetrolAutomatic40,438 mi2019
£200/yr
£254/mo
£11,610
cash

AB Dealers·4.6 (196)· Feltham

Ford Focus
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

Ford Focus
Fair price

Ford Focus

2023 St-line Vignale Mhev A

PetrolAutomatic60,610 mi2023
£200/yr
£269/mo
£14,203
cash

AB Dealers·4.6 (196)· Feltham

Ford Focus
Fair price

Ford Focus

2019 Vignale Auto

PetrolAutomatic25,630 mi2019
£200/yr
£284/mo
£12,995
cash

AB Dealers·4.6 (196)· Feltham

Ford Focus
Good price

Ford Focus

2020 St

PetrolManual34,000 mi2020
£200/yr
£379/mo
£17,500
cash

Hanworth Autos Ltd·4.3 (32)· Feltham

Frequently asked questions

What deposit is typically needed to get a Ford Focus for under £400 a month?
To finance a Ford Focus for under £400 a month, a representative example might be based on a 60-month HP agreement at 13% APR with no deposit, as finance is subject to status. A larger deposit will typically lower your monthly payments.
Does my credit score affect the monthly payment I'll be offered?
Yes, your credit score can affect the monthly payment. The quoted rates are representative examples, and the personal APR offered to you will depend on your individual credit history and an affordability assessment.
For a Ford Focus within this budget, what is the practical difference between HP and PCP finance?
HP involves paying off the full value of the car and owning it outright at the end of the term, whereas PCP payments cover the depreciation of the car, with an optional final payment to own it. Motoring Today's PCP vs HP finance guide covers these options in full detail.