Motoring Today

Ford Kuga under £400 per month

8 used Ford Kuga listings from £132/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.

You'll find 8 Ford Kuga models available under £400 per month as of 16 August 2026. This selection typically includes cars with a cash price between £7,480 and £13,450, with the cheapest monthly payment in this range starting from £174. The representative finance example for these cars is based on a 0% deposit, a 60-month term, and a 13% APR, typically offered as a Hire Purchase (HP) agreement. Finance is subject to status. These budget-friendly Kuga models offer a practical SUV experience, commonly sought after for their versatile interior and comfortable ride. A £400 monthly budget provides access to a good cross-section of the Kuga range, often including well-maintained examples of various trim levels and engine options.

In stock
8

Live Ford Kuga listings

From / month
£132/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

Other monthly budgets:Under £150Under £200Under £250Under £300Under £400Under £500
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
Great price

Ford Kuga

2018 St-line

PetrolManual82,900 mi2018
£200/yr
£169/mo
£7,280
cash

Cobalt Motors·4.5 (143)· West Allotment

Ford Kuga
Good price

Ford Kuga

2017 Zetec

PetrolManual44,666 mi2017
£200/yr
£186/mo
£7,980
cash

Cobalt Motors·4.5 (143)· West Allotment

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
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)· Torfaen

Ford Kuga
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

Ford Kuga
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

What deposit is needed to get a Ford Kuga under £400 a month?
Based on a representative example of 0% deposit over 60 months at 13% APR, the monthly payment on a Ford Kuga starts from £176. 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, it does. The quoted rates are representative examples, and the personal APR offered to you will depend on your individual credit history and affordability checks.
Should I choose HP or PCP for a Ford Kuga under £400 a month?
With Hire Purchase (HP), you own the car outright at the end of the term, whereas with Personal Contract Purchase (PCP), you have a final balloon payment option to own it or can return the car. Motoring.Today's PCP vs HP finance guide covers the differences in full to help you decide.