Best used 2013-2020 Ford Kuga PCP finance deals

A used Ford Kuga is great value for money and with so many engines and trims to choose from, there’s sure to be one to suit your budget

John Evans
Nov 22, 2021

A greater on-road presence, better visibility of the road ahead and decent practicality - no wonder SUVs are popular. Most carmakers have at least a couple in their line-ups and the Kuga is Ford’s family-size offering.

The version we’re talking about here went on sale in 2013. It was updated in 2017 before being replaced by a new model in 2020. The new version is better than its predecessor except for one key thing: price. As a used car, the old Kuga is much better value for money with prices starting at £8,495. Meanwhile, the 2017 update brought fresher stying and technology including Ford’s much-improved Sync3 media system plus autonomous braking and lane-keeping assist, so go for one of these if you want an affordable but still up-to-date Kuga.

There are roomier, more practical and classier alternatives but being based on its sister car, the Ford Focus, the Kuga is reasonably fun to drive, if a little firm riding. There’s a host of trim levels to consider but our pick is Titanium, one up from entry-level Zetec, which itself is reasonably well equipped.

Ford is a master of marketing which is why you’ll notice some trim levels have an X, Edition or First Edition in their name. Expect these to have additional features such as a sportier body kit, leather upholstery or unique alloy wheels. That said, Titanium X trim is a notable step above Titanium in terms of luxury. Talking of features, look out for models with remote tailgate opening that allows you to open the boot by just waggling your foot beneath the bumper - useful when your hands are full.

The Kuga’s mid-power petrol and diesel engines are all most buyers will need, as is two-wheel drive. You may like the sound of the optional four-wheel-drive system as reassurance when driving on slippery surfaces but a good set of winter tyres will do the same job on cold, wet and snowy roads.


Used Ford Kuga PCP offers

Ford Kuga Zetec offers

The most affordable Kugas are those with Zetec trim. This may be the cheapest option but 17-inch alloy wheels, air-conditioning, digital radio, a heated windscreen, Ford’s Sync voice control system and keyless start are all standard.

Engines include the 120hp 1.5-litre Ecoboost petrol and 120hp 1.5-litre TDCi diesel. There are more powerful ones but you’ll pay at the pumps with lower fuel economy and in any case, the extra would be better spent choosing the next trim, Titanium. Considering the relatively small premium, you get much more kit with Titanium models, so for most drivers, these are the wiser option.

Ford Kuga
Used Ford Kuga Zetec

BuyaCar prices from £8,495
Monthly finance from £0*

Ford Kuga Titanium offers

When new, Titanium trim cost £3,400 more than Zetec but on the used car market that price premium shrinks, making it much better value. How much better is clear by the fact that like for like on BuyaCar, Titanium trim is only around £1,000 more expensive than Zetec.

Opt for PCP finance - where your monthly payments are affected by how much the car is worth at the end of the contract - and the premium is likely to be much smaller. So, if you want the best value option, Titanium trim makes a lot of sense.

The extra money buys a host of essential as well as luxury features. The former is represented by rear parking sensors, sat-nav, automatic headlights and windscreen wipers, and automatic folding mirrors. Luxury items include keyless entry, a superior Sync voice control system, a gloss-black grille surround and part-leather seats. Paired with the 150hp 2.0 TDCi diesel engine, it’s our favourite Kuga.

Ford Kuga
Used Ford Kuga Titanium

BuyaCar prices from £9,891
Monthly finance from £198*

Ford Kuga Titanium X offers

This variation on Titanium trim plays the luxury card with features including a panoramic sunroof (beware – it eats into the model’s already restricted headroom, so taller people may want to stick to Titanium specification), 18-inch alloy wheels, LED taillights, adaptive Xenon headlights and leather upholstery.

With that lot, it should cost a fortune but a high-specification Kuga can’t justify or maintain strong prices second-hand, which is why even facelift 15hp 2.0-litre TDCi examples are available from less than £15,000, making them great value for money.

Ford Kuga
Used Ford Kuga Titanium X

BuyaCar prices from £8,990
Monthly finance from £0*

Ford Kuga ST-Line

You can tell this is the sporty one in the Kuga line-up because it has a bodykit and firmer suspension. In addition to those sporty extras, it has larger 18-inch alloy wheels, self-parking capability, sports seats and ambient lighting. All told, it’s an attractive and well-equipped version of this SUV.

This specification was introduced with the 2017 facelift, when it cost around £1,500 more than Titanium trim. It was very popular and so you’ll find a good selection of used versions on BuyaCar.

However, should you be tempted away from Titanium, it’s worth remembering that a high-riding SUV such as a Kuga requires more than just firmer suspension to make it feel sporty. In fact, on the ST-Line, its main contribution is to make the ride less comfortable over poor surfaces. As a result, most drivers will be better served by choosing a Titanium model.

Ford Kuga
Used Ford Kuga ST-Line

BuyaCar prices from £14,750
Monthly finance from £238*

Ford Kuga Vignale

Vignale is Ford’s upmarket trim level, designed to appeal to buyers of premium cars. It carries a hefty price increase over lesser trims and on new Kugas was always hard to justify, though Kuga Vignales do offer a more luxurious feel inside in exchange.

High costs are the reason that few Kuga Vignales sold, which explains why used Kuga Vignales are so rare, but should one be available on BuyaCar you can be sure it will be much better value and less expensive than any comparable BMW, Mercedes or Audi.

So, if you want an upmarket SUV with plenty of kit, but are less bothered by the badge on the bonnet, a Kuga Vignale could cost you far less than going for a German alternative.

Ford Kuga
Used Ford Kuga Vignale

BuyaCar prices from £15,900
Monthly finance from £0*

*Representative PCP finance - Ford Fiesta:

48 monthly payments of £192
Deposit: £0
Mileage limit: 8,000 per year
Optional final payment to buy car: £2,923
Total amount payable to buy car: £11,926
Total cost of credit: £2,426
Amount borrowed: £9,500
APR: 9.9%

BuyaCar is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.


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