Motoring Today

Ford Kuga under £400 per month

6 used Ford Kuga listings from £145/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 nine Ford Kuga models currently available under £400 per month, as of 15 September 2026. These finance examples typically assume a deposit of £0, a 60-month term, and a 13% APR for an HP (Hire Purchase) product. Please note that finance is subject to status. Within this budget, you'll find Ford Kuga models starting from just £132 per month, which typically corresponds to cash prices ranging from £4,995 to £10,799. The Kuga is a popular choice among SUV buyers in the UK, often praised for its comfortable ride and practical family-friendly interior. This budget typically allows for a good selection of earlier generation Kugas, providing a versatile option for various needs.

In stock
6

Live Ford Kuga listings

From / month
£145/mo

Cheapest representative quote

Monthly budget
£400

Under £400 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

Ford Kuga
Fair price

Ford Kuga

2019 St-line Tdci

DieselManual76,350 mi2019
£200/yr
£225/mo
£9,775
cash

Cobalt Motors·4.5 (153)· Gosforth

Ford Kuga
Fair price

Ford Kuga

2018 St-line 4x4 Auto

PetrolAutomatic60,279 mi2018
£200/yr
£244/mo
£10,659
cash

AB Dealers·4.6 (235)· Feltham

Ford Kuga
Good price

Ford Kuga

2019 St-line Tdci

DieselManual34,364 mi2019
£200/yr
£294/mo
£12,780
cash

Cobalt Motors·4.5 (153)· Gosforth

Frequently asked questions

What deposit is needed to get a Ford Kuga under £400 per month?
A typical representative finance example for a Ford Kuga uses a 0 deposit over 60 months at 13% APR. A larger initial deposit will generally result in lower monthly payments. Finance is subject to status.
Does my credit score affect the monthly payment for a Ford Kuga?
Yes, quoted rates are representative. The personal APR offered for your Ford Kuga finance will depend on your individual credit history and affordability checks.
Should I choose HP or PCP for a Ford Kuga within this budget?
HP means you own the Ford Kuga outright after the final payment, while PCP offers lower monthly payments by deferring a large balloon payment at the end. Motoring Today's comprehensive PCP vs HP finance guide covers the details fully.