Motoring Today

Ford Kuga under £200 per month

3 used Ford Kuga listings from £145/mo under £200 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 6 Ford Kuga models available for under £200 per month, as of 16 September 2026. This monthly payment estimate is based on a typical hire purchase (HP) finance arrangement over 60 months, with no deposit and a representative APR of 13%. Finance is, of course, subject to status. With this budget, you can find a used Ford Kuga for as little as £132 per month, covering models typically ranging in cash price from £4,995 to £8,698. The Kuga is a popular choice for families seeking a practical and well-equipped SUV, often praised for its comfortable ride and spacious interior. Each car listed on Motoring Today includes its own dealer's representative finance example, ULEZ status, and full MOT history.

In stock
3

Live Ford Kuga listings

From / month
£145/mo

Cheapest representative quote

Monthly budget
£200

Under £200 a month

Ford Kuga

Ford Kuga

2016 Titanium X Tdci

DieselManual94,104 mi2016
Band D · £170/yr
£145/mo
£6,295
cash

Oaktree Motor Company·4.7 (198)· Cwmbran

Ford Kuga
Good price

Ford Kuga

2017 Zetec

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

Cobalt Motors·4.5 (153)· Gosforth

Ford Kuga
Fair price

Ford Kuga

2017 Titanium Tdci

DieselManual58,595 mi2017
Band C · £35/yr
£185/mo
£8,200
cash

AB Dealers·4.6 (235)· Feltham

Frequently asked questions

What deposit is needed to get a Ford Kuga for under £200 a month?
Based on a representative example of 13% APR over 60 months HP, you could get a Ford Kuga for under £200 a month with no deposit. A larger deposit will typically lower your monthly payments. Finance is subject to status.
Does my credit score affect the monthly payment for a Ford Kuga?
Yes, the representative finance rates quoted are an example. The personal APR you are offered for a Ford Kuga will depend on your individual credit history and the lender's affordability checks.
Which is better for this budget, HP or PCP?
With Hire Purchase (HP), you own the Ford Kuga outright after the final payment, whereas Personal Contract Purchase (PCP) usually involves lower monthly payments but requires a balloon payment to own the car. Our comprehensive PCP vs HP finance guide covers the differences in full.