Motoring Today

Ford Kuga finance

PCP and Hire Purchase deals on a used Ford Kuga through our approved UK dealers — from £132/mo.

Reviewed by the Motoring Today Editorial team · methodology in our editorial standards.

How much is a Ford Kuga on finance?

Used Ford Kuga finance starts from around £132 a month across the 10 in stock, with a typical monthly of about £190. Most are offered on PCP or Hire Purchase (HP) — see the representative example below for a full breakdown of a real Ford Kuga deal, including the APR, deposit and total amount payable.

From
£132/mo
Typical
£190/mo
Cash price from
£4,995
In stock
10

There are currently 8 Ford Kuga models available on Motoring Today, with prices ranging from £4,995 to £13,450. The Ford Kuga is a popular choice for buyers seeking a versatile SUV, offering a comfortable ride and practical features suitable for families. Buyers often value its blend of efficiency and performance, making it a common sight on UK roads. Each Ford Kuga listed on Motoring Today includes a representative finance example from the selling dealer. This allows you to easily compare potential monthly payments alongside ULEZ compliance information and a full MOT history for every vehicle. Finance is subject to status, and the terms will vary based on the specific car, dealer, and your personal circumstances. When viewing any Ford Kuga listing, you will see a detailed finance illustration provided by the dealer. This example typically outlines the deposit required, the term in months, the Annual Percentage Rate (APR), and the finance product type (e.g., Hire Purchase or Personal Contract Purchase). This transparency helps you understand the potential cost of financing before making an enquiry.

Ford Kuga representative finance example

A genuine Hire Purchase quote for a 2017 Ford Kuga currently in stock. Individual deals vary with price, deposit, term and your circumstances.

Finance type
HP
Monthly payments
£183
Term
60 months
Contract length
60 months
Cash price
£7,870.00
Cash deposit
£0.00
Total amount of credit
£7,870.00
Total amount payable
£10,980.00
Representative APR
14.9%
Total charge for credit
£3,109.00
Fixed rate of interest pa
7.90%
Option to purchase fee
£1.00

The legal bit

Cobalt Motors Ltd is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 931275).

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 Kuga 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 Kuga, 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 Kuga outright at the end and there are no mileage limits.

How HP works →
Soft search

See what you could be offered on a Ford Kuga

Check your eligibility for Ford Kuga 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 eligibility

Ford Kuga in stock now — from £4,995

Ford Kuga

Ford Kuga

2013 Titanium 4x4 Tdci

DieselManual100,000 mi2013
Band G · £275/yr
£132/mo
£4,995
cash

Protheroes·4.4 (73)· Market Harborough

Ford Kuga
Good price

Ford Kuga

2016 Titanium X Tdci

DieselManual94,104 mi2016
Band D · £170/yr
Finance available on request
£6,495
cash

Oaktree Motor Company·4.7 (193)· Cwmbran

Ford Kuga
Great price

Ford Kuga

2018 St-line

PetrolManual82,900 mi2018
£200/yr
£162/mo
£6,980
cash

Cobalt Motors·4.5 (149)· Gosforth

Ford Kuga
Good price

Ford Kuga

2018 Titanium Tdci

DieselManual92,784 mi2018
£200/yr
Finance available on request
£6,995
cash

RMB & Son Motors·4.5 (19)· Ross-On-Wye

Ford Kuga
Good price

Ford Kuga

2017 Zetec

PetrolManual44,666 mi2017
£200/yr
£183/mo
£7,870
cash

Cobalt Motors·4.5 (149)· Gosforth

Ford Kuga
Fair price

Ford Kuga

2017 Titanium Tdci

DieselManual58,595 mi2017
Band C · £35/yr
£196/mo
£8,698
cash

AB Dealers·4.6 (196)· Feltham

Ford Kuga
Great price

Ford Kuga

2018 St-line Tdci 4x4

DieselManual79,426 mi2018
£200/yr
Finance available on request
£9,295
cash

JTW Motors·5.0 (68)· Stone

Ford Kuga
Good price

Ford Kuga

2018 St-line X Tdci 4x4 Auto

DieselAutomatic101,998 mi2018
£200/yr
£226/mo
£9,795
cash

NG9 Motors·4.5 (88)· Nottingham

Ford Kuga
Fair price

Ford Kuga

2019 St-line Tdci 4x4 Auto

DieselAutomatic95,384 mi2019
£200/yr
£242/mo
£10,495
cash

Oaktree Motor Company·4.7 (193)· Cwmbran

Ford Kuga
Fair price

Ford Kuga

2018 St-line 4x4 Auto

PetrolAutomatic60,274 mi2018
£200/yr
Finance available on request
£10,799
cash

AB Dealers·4.6 (196)· Feltham

Frequently asked questions

How much is a Ford Kuga on finance per month?
Finance on a used Ford Kuga starts from around £132 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked Ford Kuga deal with the full APR and totals.
Can I get a Ford Kuga on PCP?
Yes. Personal Contract Purchase (PCP) is available on most used Ford Kuga 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 Kuga — which is better?
Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Kuga 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 Kuga 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 Kuga?
There's no fixed minimum — many Ford Kuga 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 Ford Kuga per month on finance?
We currently do not have a representative finance example available for the Ford Kuga, so we cannot provide a specific monthly figure. Finance is always subject to status.
What deposit and APR do I need?
As we do not have a representative finance example for the Ford Kuga, we cannot advise on a typical deposit or APR. The personal rate you receive will depend on your credit history and affordability.
What's the difference between HP and PCP for a Ford Kuga?
With Hire Purchase (HP), you own the Ford Kuga outright after all repayments are made. Personal Contract Purchase (PCP) typically offers lower monthly payments but requires a final 'balloon' payment if you wish to own the car at the end of the term.
Can I get finance on a used Ford Kuga with the price range shown?
Yes, it is generally possible to get finance on a used Ford Kuga within the price range of £4,995 to £13,450, subject to your credit status and the finance provider's terms.

More Ford Kuga resources