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The best cars for £200 per month on finance

Hunting for a new car and fancy nabbing a bargain? We’ve searched through the numerous finance deals available to round up the 10 best cars for £200 per month.

These 10 cars are available through Personal Contract Purchase (PCP) finance agreements. This means you’ll hand over an initial deposit, followed by a series of monthly payments that’ll let you drive for a set period and for a maximum number of miles each year. Once you’ve made your final payment, you can return the car to the dealer with nothing left to pay or buy it outright for an amount stated in your original contract.

Didn’t spot your favourite new car on this list? For some alternative suggestions, read our list of the best SUVs on sale for less than £200 per month or, for some great deals on small cars, head over to our list of the best cars available for just £100 per month. Once you’ve picked your ideal new model, click ‘login’ in the top-right-hand corner to sign in and configure a new car and browse our extensive range of new, nearly new and used in-stock cars.

(All prices are correct at time of writing)

Skoda Karoq – £199.17 per month

The Skoda Karoq might not be the biggest SUV on sale, but it’s one of the easiest to live with. It comes with a practical cabin that’s roomy enough for five adults, a big boot and an intuitive touchscreen infotainment system that looks much slicker than what you get in many alternatives.

Sadly, it’s not all good news. The Karoq’s mundane design means it won’t be the most exciting-looking car at the school drop-off, and it’s a little more expensive than some less spacious SUVs. Thankfully, it’s easy to drive, comes with plenty of frugal petrol and diesel engines and is even pretty comfortable.

Hand over a £4,200 deposit and you can park a new 1.0-litre petrol Karoq on your driveway for £199.17 per month. This Skoda finance four-year deal lets you cover up to 10,000 miles each year for 48 months.

Audi A4 – £199.29 per month

The Audi A4 is a posh executive car that comes with a superbly well-built cabin and lots of high-tech features as standard. Its infotainment system is much more intuitive than anything you’ll find in a Mercedes C-Class and it comes with more spacious back seats, too.

It’s not quite as fun to drive as a BMW 3 Series, however, and it can get a little costly once you’ve ticked a few options boxes. That doesn’t detract from the A4 being a very comfortable and relaxing motorway cruiser – especially considering it could cost you from less than £200 per month.

Sign up for Audi’s finance deal and you’ll pay a £7,550 deposit and £199.29 each month for 48 months. This offer applies to 1.4-litre petrol models and comes with a 5,000-miles annual mileage limit.

VW Up GTI – £199.92 per month

The Up GTI is the sportiest version of VW’s upmarket small car. It feels just as well-built inside as the standard Up but comes with flashy tartan seat trims and a perky 115hp engine that makes it a real blast to drive on a twisting country road.

It’s a little noisy on the motorway – thanks to its sports exhaust that tends to drone at high speeds – and its infotainment system requires you to download a smartphone app that’s pretty fiddly to use. Despite this, it’s still a fantastic little car that’ll put a huge smile on your face at every opportunity.

A £1,930 deposit and 48 monthly payments of £199.92 could see you park a new Up GTI on your driveway. This VW finance deal comes with a reasonably generous 10,000-mile annual mileage limit, too.

Peugeot 3008 – £199 per month

The Peugeot 3008 is one of the most head-turning small SUVs on sale – both inside and out. It gets some lovely brushed metal toggle switches and a high-mounted instrument display as standard that make it feel much more modern than many more mundane alternatives.

The small, low-mounted steering wheel might mean you struggle slightly to find your perfect driving position if you’re very tall, but there’s enough room in the back seats for three adults to sit side-by-side without rubbing shoulders. Its wide boot is a doddle to load, too.

This stylish French SUV in 1.6-litre diesel guise will set you back £199 per month on a 37-month deal that limits you to 6,000 miles each year. Peugeot’s finance offer requires you to pay a £5,720 deposit.

Skoda Octavia Estate – £199.86 per month

The Skoda Octavia Estate is a hugely practical family car with a massive boot and a well-built interior. There’s space in the back seats for three adults to get comfortable and you get smartphone-mirroring for Android and Apple phones built into its easy-to-use infotainment system as standard.

The Octavia’s slightly drab design probably won’t get your pulse racing and its firm suspension makes it feel a little unsettled over rough roads and potholes, but its efficient petrol and diesel engines mean it’ll be cheap to run.

Skoda’s four-year finance deal could see you grabbing the keys to a new 1.0-litre petrol Octavia Estate for a £2,550 deposit and 48 monthly payments of £199.86. You’ll have to make sure you don’t exceed the 5,000-mile annual mileage limit, however.

VW Golf – £199 per month

The latest VW Golf gets a high-tech cabin that feels a cut above what you get in most small family cars. It’s roomy enough to carry five adults – on short journeys at least – and its frugal petrol and diesel engines means it’s cheap to run.

Entry-level cars do feel a little basic when compared with the high-spec bells-and-whistles versions, and the optional automatic gearbox feels slightly jerky at slow speeds, but the Golf is an excellent family car that’s easy to live with every day.

You can get your hands on a new 1.0-litre petrol VW Golf for £199 per month as part of VW’s four-year finance agreement. You’ll have to pay a £4,497.81 deposit, however, and limit your annual mileage to fewer than 10,000 miles.

Audi TT – £199.79 per month

Not all cars on our list are dinky city cars or practical family models – you can also get behind the wheel of a sporty Audi TT for less than £200 per month. This compact coupe comes with a perky 1.8-litre petrol engine and a well-built cabin that looks and feels absolutely fantastic.

Sure, the back seats are far too small for adults and its slinky styling means it isn’t particularly easy to see out of, but it comes with a surprisingly roomy boot for a sports car and it’s great fun to drive.

Hand over a £6,300 deposit and you could park a 1.8-litre petrol TT on your driveway for £199.79 per month. This 48-month Audi finance agreement does require you to limit your annual mileage to fewer than 5,000 miles, however.

BMW 1 Series – £199.89

The BMW 1 Series is an upmarket small car with a posh interior that feels very well built. All models come with sat-nav as standard and a flashy infotainment system that’s one of the easiest to use in any small car.

Many compact family cars have more practical boots and roomier back seats but the BMW helps make up for these shortcomings by being one of the most fun-to-drive small hatchbacks around – even in entry-level 118i trim.

Speaking of 118i models, ‘BMW’s finance deal’ means you could bag yourself the keys to one of these petrol-powered cars for £199.89 per month. You’ll have to pay a rather hefty £6,379 deposit, however, and cap your annual mileage at 8,000 miles.

Toyota Prius hybrid – £199 per month

If you do lots of city driving, you might want to consider the Toyota Prius. Its high-tech hybrid drive system means it’s one of the most economical new cars on sale and lets you slink around at slow speeds in almost complete silence using just the power from its electric motor.

Hit the accelerator, however, and its petrol engine chimes in with a noisy whirr from the standard automatic gearbox. It doesn’t feel particularly upmarket inside, either, but its spacious cabin and roomy boot mean you can easily carry four passengers and their luggage.

Toyota’s finance deal will set you back a £6,763.33 deposit and £199 per month for 36 months and comes with an annual mileage limit of 8,000 miles.

Renault Zoe – £199 per month

If you just use your car for short journeys and have somewhere to charge it overnight, why not consider an electric model? The Renault Zoe is a compact city car that’s spacious enough to carry four adults and can travel for around 190 miles on a single charge in real-world conditions.

Its cabin feels a little cheaper than in some more upmarket electric cars, and its stiff suspension occasionally struggles to soften the blow from large potholes, but it’s still a doddle to drive around town and comes with lots of equipment as standard.

Pay a £3,499 deposit and you could drive away in a new Zoe R110 model for just £199 per month for 37 months. This Renault finance deal limits your annual mileage to just 4,500 miles, however.

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.

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