Motoring Today

Ford Kuga under £500 per month

6 used Ford Kuga listings from £145/mo under £500 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 8 Ford Kuga models available for under £500 per month on Motoring Today, with listings last updated on 16 September 2026. This monthly budget typically provides access to a range of Kuga models, with the cheapest available from £132 per month. The qualifying cars in this selection have cash prices ranging from £4,995 to £10,295. The representative finance examples shown on these listings are based on a typical hire purchase (HP) agreement with a 13% APR, £0 deposit, and a 60-month term. Finance is always subject to status. The Ford Kuga is known for its practical SUV styling, comfortable ride, and spacious interior, making it a popular choice for families and those needing versatility.

In stock
6

Live Ford Kuga listings

From / month
£145/mo

Cheapest representative quote

Monthly budget
£500

Under £500 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 £500 a month?
Based on a representative example with 13% APR over 60 months (HP), a £0 deposit could allow for monthly payments under £500. 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 representative APR quoted is an example; the personal APR offered to you will depend on your individual credit history and affordability checks.
Which is better for this budget, HP or PCP, for a Ford Kuga?
With Hire Purchase (HP), you own the Ford Kuga after the final payment, whereas Personal Contract Purchase (PCP) offers lower monthly payments but typically requires a balloon payment to own the car or you can return it. Motoring Today's PCP vs HP finance guide covers the differences in full.