Ford Focus Finance

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Zuto is a credit broker, not a lender. Our rates start from 7.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £7,000 over 48 months with a representative APR of 19.3%, the amount payable would be £205 a month, with a total cost of credit of £2,831 and a total amount payable of £9,831.

The Ford Focus is a modern classic. A familiar sight on UK roads since 1998, the Focus has always been a top pick for a no-fuss family car to get you from A to B. At Zuto, we help thousands of drivers get on the road with simple and easy car finance, and the Ford Focus is the second most popular car we finance, just behind the Vauxhall Astra.

If you’re looking for Ford Focus finance, Zuto is here to help – we’ll give you a decision in minutes, and you can browse thousands of cars for PCP or HP finance, including Ford models, from our trusted and verified dealers across the UK.

We help our customers with car finance deals every day, and we help finance thousands  of Ford Focus loans a year, so rest assured you’re in safe hands with plenty of experience. Even if you don’t have a deposit or might need bad credit car finance, we might still be able to help – get a quick and easy no obligation quote or use our finance calculator below to get started.

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About the Ford Focus

The Ford Focus has been around since 1998, and plenty of the older used models on the market offer great value for money. Since the model was introduced, there have been lots of versions, from the classic five-door hatchback to three door options, the Coupe Cabriolet and an estate model. That means there are plenty of used Ford Focus finance options to match different budgets and different needs – here are a couple of tips when you start looking for the right Focus for you.

A classic option: The Mk3 Focus (2011 – 2018) combined reasonable pricing, solid style and a decent engine, making it a great option for a run-around car for handling commutes and day to day driving. The 1.0-litre petrol version is relatively cost effective to run., and the model is lighter than the two previous versions for better fuel economy, with the EcoBoost petrol engine offering one of the cheapest options. Keep an eye out for the turbo model if you want something with a bit more punch.

Speedy and sporty: The Focus RS was on sale from 2016-18, and built a reputation as one of the best hatchbacks around, with agile handling and impressive acceleration from a powerful engine. If you’re looking for a used Focus on finance that’s still got some power to it, this might be a good place to start.

New and improved: The line was revamped in 2019, revitalising the interiors and exteriors. The new Focus family starts with the entry level Focus Zetec, which starts from around £22,000 new. The Zetec features an 8-inch touchscreen in the dashboard, plus cruise control, automatic emergency braking and a heated windscreen.

Extra features: The new ST-Line versions are a bit more nimble, designed with a sportier exterior plus larger 17-inch alloy wheels, and the Titanium keeps most of the base model’s look and feel but adds extra features, like parking sensors and automatic windscreen wipers.

Used Ford Focus deals

The Ford Focus is a popular pick for finance because it’s a great all rounder – an ideal family hatchback with plenty of versatility. If you’ve already found a used Ford Focus that you want to finance, we can help you with a car loan, or you can browse our huge range of used cars.

We work with hundreds of dealers across the UK, who are vetted and verified so you can arrange your car finance with confidence – we’ll provide a free valuation and a vehicle history check on cars from our approved dealers. With garages and dealers offering tons of options, it’s easy to find a high-quality used Ford Focus near you. Check our car finance calculator to see how much you could borrow, and get a quote in minutes.

Ford Focus HP finance

HP finance is one of the most popular options for buying a Ford Focus – it’s a straightforward method of financing a car, and our most popular finance option here at Zuto. You split the cost of the car into regular monthly payments and pay it off over a set amount of time between one and five years plus interest.

Ford Focus PCP finance

PCP finance, or personal contract purchase, is another finance option that we offer. Find the car you want, and then make regular monthly payments towards your vehicle. PCP works a little bit differently – you pay off the car’s depreciation rather than the total value, and at the end of your contract you can choose to make a final balloon payment or return the car to the lender. If you’re looking for Ford Focus PCP finance then Zuto can help – we compare financing options from a wide range of lenders, so you can find the one that’s right for you.

How much is a Ford Focus per month?

Every car and every situation is different, but we’ve given you an example to show how much you might pay per month with a Ford Focus on finance from Zuto.


£181 a month which is calculated by borrowing £6,200 over 48 months with a representative APR of 19.3%, the amount payable would be £181 a month, with a total cost of credit of £2,507 and a total amount payable of £8,707.

Are Ford Focuses a good car?

A Focus is a great-performing car with plenty of space and a focus on quality in the interior. It’s built a well-deserved reputation as a solid, reliable choice that drives well and ticks a lot of boxes for a family car.

Here at Zuto we regularly check the MOT database, and you might find it helpful to know that of the 700,000 Ford Focus cars that have had an MOT, 83% of them passed. Just a little less than the Vauxhall Astra in the same period.