Great price
Ford Kuga
2018 St-line
PetrolManual82,900 mi2018
£200/yr
£174/mo
£7,480
cash
Cobalt Motors·4.5 (136)· West Allotment
Ford Kuga representative finance example
A genuine Hire Purchase quote for a 2019 Ford Kuga currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £228
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £9,999.00
- Cash deposit
- £0.00
- Total amount of credit
- £9,999.00
- Total amount payable
- £13,680.00
- Representative APR
- 13.9%
- Total charge for credit
- £3,671.00
- Fixed rate of interest pa
- 7.34%
- Option to purchase fee
- £10.00
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 eligibilityFord Kuga in stock now — from £7,480
Good price
Ford Kuga
2017 Zetec
PetrolManual44,666 mi2017
£200/yr
£195/mo
£8,380
cash
Cobalt Motors·4.5 (136)· West Allotment
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
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
Good price
Ford Kuga
2019 St-line Tdci
DieselManual73,333 mi2019
£200/yr
£228/mo
£9,999
cash
Cobalt Motors·4.5 (136)· West Allotment
Fair price
Ford Kuga
2019 St-line Tdci 4x4 Auto
DieselAutomatic95,384 mi2019
£200/yr
£237/mo
£10,295
cash
Oaktree Motor Company·4.7 (193)· Torfaen
Fair price
Ford Kuga
2018 St-line 4x4 Auto
PetrolAutomatic60,274 mi2018
£200/yr
£247/mo
£10,931
cash
AB Dealers·4.6 (196)· Feltham
Fair price
Ford Kuga
2021 Titanium Phev Cvt
Petrol Electric HybridAutomatic50,000 mi2021
£200/yr
£291/mo
£13,450
cash
Vantage Autohouse·5.0 (17)· Newport
Frequently asked questions
- How much is a Ford Kuga on finance per month?
- Finance on a used Ford Kuga starts from around £174 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 Kuga per month on finance?
- We currently do not have a representative finance example available for the Ford Kuga. Finance is subject to status.
- What deposit and APR do I need?
- As we do not currently have representative finance information for the Ford Kuga, we cannot provide specific deposit or APR figures. The actual 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 typically pay fixed monthly instalments until the car is yours after the final payment. Personal Contract Purchase (PCP) involves lower monthly payments, but you have a large 'balloon payment' at the end if you wish to own the car, or you can return it or part-exchange it.
- Can I get finance on a used Kuga with the price range shown?
- Yes, finance options are typically available for vehicles within the £7290 - £13500 price range, subject to status. We do not currently have a representative monthly finance example for the Ford Kuga.