Motoring Today

Ford Focus under £400 per month

9 used Ford Focus listings from £167/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 14 Ford Focus models available for under £400 per month, as of 22 September 2026. This representative finance example assumes a 60-month Hire Purchase (HP) agreement with no deposit and an Annual Percentage Rate (APR) of 13%. This finance is subject to status, and terms may vary. Your budget of under £400 per month can secure a Ford Focus from as little as £60 monthly, with qualifying cars having cash prices ranging from £2,499 to £17,500. The Focus is a popular choice among UK drivers, known for its balanced handling and practical cabin, making it a strong contender in the family hatchback segment.

In stock
9

Live Ford Focus listings

From / month
£167/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

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

Ford Focus
Fair price

Ford Focus

2018 St-line

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

Durnford Motors·4.5 (181)· Southampton

Ford Focus
Fair price

Ford Focus

2019 St-line

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

Durnford Motors·4.5 (181)· Southampton

Ford Focus
Fair price

Ford Focus

2017 Fiesta St-line Auto

PetrolAutomatic24,195 mi2017
£200/yr
£235/mo
£10,414
cash

AB Dealers·4.6 (235)· Feltham

Ford Focus
Above market

Ford Focus

2015 Titanium X Auto

PetrolAutomatic46,000 mi2015
Band E · £200/yr
£250/mo
£9,450
cash

Protheroes·4.4 (74)· Market Harborough

Ford Focus
Good price

Ford Focus

2016 St-3 Tdci

DieselAutomatic84,315 mi2016
Band C · £35/yr
£252/mo
£11,295
cash

Oaktree Motor Company·4.7 (198)· Cwmbran

Ford Focus
Fair price

Ford Focus

2019 Vignale Auto

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

AB Dealers·4.6 (235)· Feltham

Frequently asked questions

What deposit is typically needed to get a Ford Focus for under £400 a month?
Based on a representative example with 13% APR over 60 months, a £0 deposit is typically needed. A larger deposit will usually lower your monthly payments, and all finance is subject to status.
Does my credit score affect the monthly payment for a Ford Focus?
Yes, it does. The finance rates quoted are representative examples; the actual APR offered to you will depend on your individual credit history and the outcome of affordability checks.
Which is better for this budget, HP or PCP finance for a Ford Focus?
Hire Purchase (HP) means you own the car after the final payment, whereas Personal Contract Purchase (PCP) involves lower monthly payments with an option to buy at the end. Motoring Today's PCP vs HP finance guide covers these options in full detail.