The best cars for £200 per month on finance

A £200 per month budget for a new car can go surprisingly far – some of our most popular SUVs and hot hatches can be had for this sum. We’ve done some digging to find the 10 best cars available in this price range. All deals here have been taken from manufacturers’ finance websites and are correct at the time of writing – carwow’s great deals can able to save you even more.

The majority of offers here are on PCP finance. Like any finance deal, you must fully consider whether you can keep up with the monthly payments, and whether alternatives such as cash payments might suit your circumstances better.

Put your ideal car into our new car deals page to receive great carwow offers. Alternatively, use our PCP calculator to get an idea of what your new car could cost on a monthly basis.

Nissan Qashqai 1.2 DiG-T N-Connecta

The Nissan Qashqai is one of the most popular cars in the UK. A very comfortable ride, lots of practicality and affordable running costs have made it a firm favourite with family buyers. The diesel engines are great, but the turbocharged 1.2-litre petrol also has enough power to feel at home both in town and on the motorway.

Popular N-Connecta trim has all the kit you’ll really need, with sat-nav, a 360-degree parking camera and lots of safety kit. Nissan’s finance website is currently offering a £2,000 deposit contribution to most Qashqais. This PCP deal asks for £5,750 as a deposit with £196 per month payments over 37 months. The APR is 4.99 per cent and you get a reasonable annual mileage limit of 10,000.

Put the Nissan Qashqai in our car configurator to see the deals.

Ford Fiesta ST ST-2

The Ford Fiesta ST isn’t just one of the best hot hatchbacks on sale, but is arguably among the best hot hatches ever made. The 1.6-litre turbocharged engine produces 178hp and covers 0-62mph in a brisk 6.9 seconds, while sharp steering makes it loads of fun to drive on a B-road. Despite the performance, it’s reasonably practical and can just about squeeze four adults in for a weekend road trip.

The ST-2 trim is the sweet spot in terms of equipment and price, and Ford finance deals are competitive. At the time of writing, you can get a Fiesta ST ST-2 for just £189 per month over 37 months – you’ll need a deposit of £4,405, and Ford will top this up by £700. APR is just 2.9 per cent, but remember not to exceed the annual 9,000 mileage limit to avoid paying excess charges.

Spec up a Ford Fiesta ST in our car configurator to see the savings on offer.

Kia Sportage 1.7 ‘2’

The latest Kia Sportage builds on the popularity of the last model by adding a much improved interior and better refinement alongside its striking new looks. Owning the Kia shouldn’t cost much more than your average family hatchback, either, and you’ll have the benefit of an industry-leading seven-year warranty to give you peace of mind.

Mid-range ‘2’ cars get a generous amount of kit, while the popular 1.7-litre diesel engine can average 61mpg. Kia’s finance page shows you can have a new Sportage on your drive for a mere £196 per month over three years with the firm’s PCP package. The APR is a reasonable 4.9 per cent and mileage is limited to 10,000 per year, but you’ll have to dig a little deeper to find the £6,500 deposit.

See the deals on the Kia Sportage in our car configurator.

VW Golf 1.4 Match Edition

It’s hard to find fault with the Volkswagen Golf – a best seller for nearly 40 years. It has a great reputation as a quality family car. It might look a little dull but, inside, you’ll find an interior that feels high quality and has an easy-to-use layout.

Opt for the popular Match Edition spec and you get luxuries such as adaptive cruise control, park assist and a panoramic sunroof. The 123hp 1.4-litre turbo petrol engine is cheap to run and powerful when you need it. Volkswagen’s finance website says you’ll pay just £199 per month with a £4,265 deposit and an extra £2,000 contribution from the dealer. There’s a 10,000 miles per year limit and the APR is 5.4 per cent over a four-year agreement.

Spec up Volkswagen Golf in our car configurator to see the deals.

Audi A1 1.0 TFSI SE

The Audi A1 is a great choice if you fancy something a bit more premium for your £200 per month. The Audi badge gives it a level of desirability that’s hard to match at this price. There’s also a lovely cabin with lots of optional equipment shared with larger Audi models such as heated seats and an infotainment system. The three-cylinder 1.0-litre engine suits the A1’s cheeky character and SE trim has more than enough equipment for most buyers.

According to Audi’s finance website, you need £199 per month to have a brand new one sat on your driveway and you only need a deposit of £1,100. This is a three-year deal with an annual mileage limit of 10,000, although the 6.7 per cent APR rate is a little high.

Put the Audi A1 in our car configurator to see how much you could save.

Vauxhall Corsa VXR

If you’re after a racey hot hatch, you’d might want to check out the Vauxhall Corsa VXR. It offers startling performance and grippy, agile handling. You’ll also find the interior is a little more upmarket than its main competitor, the Fiesta ST. Vauxhall’s infotainment system is also a lot more user friendly than the Ford’s confusing system.

The Vauxhall finance website says that £195 per month will get you into a Corsa VXR, although you’ll need a £4,500 deposit to add to the £950 contribution from the dealer. As with most deals we’ve found, this PCP offer is over three years and has a 10,000 annual mileage limit. It’s not a deal-breaker, but its five per cent APR is a bit higher than the Fiesta ST’s.

Spec up a Vauxhall Corsa VXR in our car configurator.

Renault Captur 0.9 TCe Dynamique Nav

The Renault Captur is a stylish crossover, with plenty of scope for personalisation if you want. Despite its small size, there’s a good amount of room for five and their luggage, with sliding rear seats and plenty of cubbies for family owners. It’s also cheap to run, with both diesel and petrol versions able to better 60mpg.

Dynamique Nav trim has a good level of equipment and with Renault’s finance website is currently offering a sizeable £2,750 contribution to the Captur so you’ll only need to find £35 for a deposit! Monthly payments will be £199 but, for an extra £8.99, you can get a service plan as well. This is a PCP offer with 3.99 per cent APR that lasts for three years, but the annual mileage limit is only 6,000 miles, so be sure that’s enough.

See the savings by putting the Renault Captur in our car configurator.

Nissan Juke Nismo RS

Nissan’s Juke Nismo RS is a great compromise for those who like the idea of a hot hatchback, but need the practicality of a crossover for everyday family duties. You get the same quality interior as you’ll find in other Jukes, with some added sporty details. The four-wheel-drive system has plenty of grip but means boot space isn’t quite as generous as front-wheel drive models.

It’s easy to find a regular Juke for less than £200 per month, but you can still get this range-topping RS within budget on a PCP deal. Monthly costs are £199 and you’ll need to stump up a sizeable £5,150 deposit, but Nissan’s finance site says the brand will offer an additional £2,100 contribution. There’s the normal 10,000 annual mileage limit on this three-year deal and 4.99 per cent APR.

Spec up a Nissan Juke in our car configurator to see the savings.

Abarth 595

The Abarth 595 is a proper pocket rocket with bags of character and charm. Based on the popular Fiat 500, Abarth has added a more powerful engine, tweaked the suspension and given the cute looks some seriously sporty attitude. It’s not the most practical or refined car for the money, but it won’t fail to put a smile on your face each time the exhaust pops and crackles.

If you’re keen on the 595, Abarth’s finance site is currently offering it for a mere £189 per month with a £1,945 deposit. This is over a four year period with a tight 6,000-mile allowance per year – a higher limit will increase the price a little. APR is a reasonably high 5.6 per cent.

Put the Abarth 595 in our car configurator to see the deals.

Jeep Renegade 1.4 140 Longitude

The Jeep Renegade might be one of the most compact Jeeps ever, but it still has tonnes of the tough attitude owners love. All cars get a practical cabin and a great driving position, meaning you can lord it over drivers of lower vehicles. Owners who don’t do too many miles will love the turbocharged 1.4-litre petrol engine and, in Longitude spec, you get all the basics plus a few extras.

Jeep’s finance site currently offers a £2,000 contribution to the deposit, meaning you’ll only need to add £4,749 of your own money, and a low monthly fee of £175. There’s a reasonable 10,000 annual mileage limit, although this PCP deal is just two years long.

See the savings on the Jeep Renegade in our car configurator.

Save money on your next new car

See how much you could save on you next car by heading over to our new car deals page or our handy car chooser tool. Get an idea of your monthly costs using our PCP calculator.

Nissan Qashqai (2014-2017)

Roomy family car with a raised driving position and cheap running costs
£18,960 - £30,550
Read review

Kia Sportage

A distinctive, well-built SUV with room for the family
£19,200 - £32,755
Read review Compare offers
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