Best Used Cars Under £200 Per Month

23rd Oct 2020

By Nathan Dale

What cars can I afford with a £200 monthly finance budget?

When setting out to buy a used car on finance, it's a good idea to set a monthly budget that you know you can afford.

With both Personal Contract Purchase and Hire Purchase finance you can find yourself a modern, practical car with up-to-date safety technology for a budget of just £200 per month.

Cars at this price point include premium brands such as Audi, Mercedes-Benz and BMW, plus plenty of the great cars you would expect to see from FordNissan and Vauxhall.

Audi A1

Audi A1

The A1 is a great little car for those who are after a premium badge without the additional size. It offers many of the luxury features of a bigger premium car such as a comfortable ride, excellent build quality and a selection of refined engines.

Available as both a 3-door and 5-door (Audi call this version a Sportback) interior room is more plentiful than you might imagine for a car of this size, with a boot that can accommodate a pushchair.

Petrol engines are the most popular thanks to their blend of performance and efficiency. The diesels are strong too, with mpg figures above 60 possible on a motorway run. 

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Mercedes-Benz A-Class

Mercedes-Benz A-Class

Mercedes introduced the A-Class Specifically for those who wanted the three-pointed star for a price that wasn't much more than some of the more traditional big-sellers in the family hatchback market, such as the Ford Focus and Vauxhall Astra.

Nowadays you can pick up a 2013-onwards A-Class (the more stylish hatchback model, as oppose to the older-generation MPV-style car) for under £200 per month fairly easily.

A180 models are available as both petrol or diesel variants, with the petrol a bit quicker and the diesel a bit better on fuel, so it depends what's more important to you. SE models were the base spec, with Sport, Sport Premium and AMG Line models giving you sportier styling and more tech.

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Another fantastic family hatch is the SEAT Leon, which is able to mix it with any mid-size hatchback you can think of thanks to superb build quality and style.

For a car finance payment of less than £200, you can score a two or three year old Leon that will still be bang up to date in terms of its looks, tech and driving experience.

Diesel variants were very popular with new car buyers and as such there are plenty of those around for bargain prices on the used market, but if you don't do high mileage then you may be better off with a petrol. The Leon's smaller brother, the Ibiza, can also be financed for under £200 per month.

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Volkswagen Passat

Volkswagen Passat

It would have been easy to include the Volkswagen Golf in this list, as it's a great car and you can definitely buy a good one with a sub £200 a month budget. Variety is a good thing however, so consider the wonderfully comfy VW Passat saloon if you're looking for a new family car.

A three or four year old Passat at this price point makes all kinds of sense as a used buy because they are high-spec, good-looking cars that can munch the miles on the motorway with ease.

The vast majority of the used Passats for sale will be diesel cars, with this version finding favour with new car buyers because of its refined-yet-punchy performance and excellent fuel economy.

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Vauxhall Mokka X

Vauxhall Mokka

Vauxhall have really stepped up their SUV game in recent years, with a number of well-received product launches including the updated Mokka X.

It's a crossover between a hatchback and an SUV, and as such the driving experience and economy figures are equivalent to that of a family hatch, but the increased ride height gives you a better view of the road ahead.

You can get yourself into a two or three year old petrol or diesel Mokka X with air con, alloys and plenty more besides for the budget. Other Vauxhalls you can pick up for under £200 per month include the Astra, Corsa and Insignia hatchbacks. 

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MINI Convertible

MINI Convertible

Now we're talking! A sporty convertible with a premium badge for under £200 per month? Absolutely - The MINI Convertible is exactly that, and while there are also plenty of MINI Hatchbacks at this price point, there are lots of reasons to go for the convertible instead.

That wind-in-your hair feeling is only a button-push away thanks to an electric folding roof, and the Convertible retains all of the fun-to-drive characteristics of the classic Hatchback model.

For this money, you'll be looking at a two-year old Cooper model, which is no bad thing; it's a cute and cool car to make all of your friends and relatives jealous. 

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BMW 3 Series

BMW 3 Series

It's remarkable to think that you can buy a BMW 3 Series for under £200 per month with just a small cash deposit. A modern one too - new car depreciation is a wonderful thing where used cars are concerned, and an average mileage four year old example will come in just under budget.

It will likely be one of the smaller-engined diesel or petrol models but that just means it'll be better on fuel. Spec-wise, because of their premium nature, a BMW 3 Series will always have a decent level of kit.

You can also pick up a 1 Series for this money too, if you don't need saloon-car levels of practicality. 

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Nissan Qashqai

Nissan Qashqai

Some may consider the Qashqai the default choice when looking for a practical, spacious and economical SUV or crossover that can carry the family wherever they need to go.

There's good reason for this - Nissan practically invented the whole crossover/SUV market segment with the Qashqai and it's gone from strength to strength ever since.

The Qashqai was always ahead of its time, and because the latest generation was packed with tech from the start, even the three year old ones (plenty of which can be found for under £200 a month) will have all of the modern gadgets and gizmos. Need something smaller? Try the Nissan Juke, which also is in budget. 

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Ford C-MAX

Ford C-MAX

As you might expect, there are many Ford models available for under £200 per month on finance, including the Focus, Mondeo, Ecosport and Kuga. The C-MAX made the cut as there's not another MPV featured on the list.

The C-MAX and its bigger, seven-seat brother, the Grand C-MAX, are both available with a £200 monthly budget, which will secure you either a mid-spec latest generation model or a super-high spec older car.

Practicality is the car's main purpose, and the shape of the C-MAX certainly accommodates that, with lots of interior room for passengers and a big boot. Diesel models were popular when the car was new, but petrol EcoBoost versions will get you around town just fine. 

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Kia Sportage

Kia Sportage

SUVs are very popular right now in the UK, so you'll be pleased to know that £200 per month will secure you a modern, stylish, efficient and practical Kia Sportage.

Undoubtedly one of the best things about Kia cars is the 7 year warranty that they come with from new, meaning that three year old cars that are well within budget will still have four years manufacturer cover against mechanical faults.

The warranty is just one of the many factors that make a used Kia Sportage a great buy - it's comfortable and economical, while even the base level models get features such as air con and alloy wheels as standard. 

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Find your perfect used car for under £200 per month

Above you've seen 10 different ways to purchase a variety of different cars for under £200 per month using car finance, all of which are modern and practical for everyday use.

At Car Store, we keep models from all of the above manufacturers such as Audi, Volkswagen and Ford in stock at all times. The best part is, you can use our used car search tool to filter by monthly payment - simply set your budget and pick your favourite.

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