Motoring Today

Ford Focus under £500 per month

10 used Ford Focus listings from £167/mo under £500 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 13 Ford Focus models available for under £500 per month, updated on 23 September 2026. This representative finance example assumes a 60-month Hire Purchase agreement with a 0% deposit and an annual percentage rate (APR) of 13%. Finance is subject to status. This monthly budget typically encompasses a wide array of Focus models, with monthly payments starting from just £60 per month. The qualifying vehicles in this category range in cash price from £2,499 to £22,695. The Ford Focus is a popular choice in the UK, often praised for its balanced ride and handling, making it a competitive option in the compact family car segment.

In stock
10

Live Ford Focus listings

From / month
£167/mo

Cheapest representative quote

Monthly budget
£500

Under £500 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

Ford Focus
Above market

Ford Focus

2020 St

PetrolManual11,650 mi2020
£200/yr
£488/mo
£22,295
cash

Maybury Car Sales·4.8 (12)· Edinburgh

Frequently asked questions

What deposit is needed to get a Ford Focus for under £500 a month?
Our representative finance example for a Ford Focus currently uses a £0 deposit over 60 months at 13% APR. A larger deposit will typically lower your monthly payments, but all finance is subject to status.
Does my credit score affect the monthly payment?
Yes, it does. The quoted rates are representative, and the specific APR offered will depend on your personal credit history and affordability checks by the lender.
Should I choose HP or PCP for this budget?
HP finance means you own the car outright after the final payment, whereas PCP offers lower monthly payments but requires a balloon payment or return of the car at the end. Motoring Today's PCP vs HP finance guide covers the differences in full.