Best new cars for under £250 per month

After an affordable new car? You'll be well catered for with our list of 10 great cars for less than £250 per month

BuyaCar team
May 27, 2021

In the market for a brand new car with a budget of £250 per month? We've got you covered with some great value PCP finance deals on some of the most popular cars around.

When you're looking at car finance - particularly PCP (Personal Contract Purchase) - the monthly payments are essentially just paying for the depreciation, or the value the car loses while you're driving it. This means upmarket models that cost more initially, but lose less value over time, are more attainable than ever thanks to relatively affordable monthly payments.

All of the cars listed here are offered with PCP deals, but many manufacturers also offer brand new cars with Hire Purchase too. Our in depth car finance guides will give you all the details you need to know.

You can get great value out of Ford and Renault models, while cheaper manufacturers like Skoda will afford you the luxury of space and comfort. There's even an Audi in this list.

You can get even more for your money if you opt for used car deal. BuyaCar is crammed full of excellent value finance offers on used cars, and for less than £250 per month you could be driving around in a nearly-new Mercedes C-Class or even a Volkswagen Golf GTI. Needless to say there’s some desirable cars waiting for you if you’re open to a used purchase.

But if you’re absolutely dead-set on a brand new car, read on to see what we think are the best new cars for under £250 per month on the market.

Best new cars for under £250 per month

1. Audi A1

Our pick Audi A1 30 TFSI Technik
List price £20,370
Annual mileage limit 8,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£22547£2,5006.0%£10,009£23,329

 

For £250 per month, you might not have thought you'd be able to get into the driver's seat of an Audi. While it may be the most basic A1 on offer, what's on offer is far from basic.

Technik models get LED headlights, alloy wheels, automatic lights and wipers, air-conditioning, an 8.8-inch media screen and an even larger screen behind the steering wheel in place of conventional speed dials.

Skip the 95hp 1.0-litre engine (known as 25 TFSI) and go for the 110hp 30 TFSI which is more suited to this car's dynamic nature.

AUDI A1 BUYERS' GUIDE

2. Dacia Duster

Our pick Dacia Duster Blue dCi 115 4x4 Comfort
List price £19,245
Annual mileage limit 8,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£25048£2,5006.9%£7,515£22,538

 

To get into a four-wheel drive model capable of off-roading, you might think you need to part with £300 or even £400 per month, and while that may be true for more upmarket models, the Dacia Duster is a much cheaper option.

If you want four-wheel drive, you only have one option - this diesel engine in Comfort trim. Comfort is one from the top, so you get things like alloy wheels, a reversing camera, rear parking sensors, cruise control and a screen that works with Apple CarPlay and Android Auto.

The diesel engine is the most efficient, even with the heavier four-wheel drive system. Expect upwards of 50mpg when driven lightly, rather than early 40s for the two-wheel drive petrols. Despite only being a small crossover, the Duster can tow up to 1,500kg braked or 745kg unbraked. 

DACIA DUSTER BUYERS' GUIDE

3. Ford Fiesta

Our pick Ford Fiesta 1.0 EcoBoost MHEV 155 ST-Line Edition
List price £21,635
Annual mileage limit 9,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£24648£2,5001.2%£6,911£21,233

 

While you can get Britain's most popular car for less than £200 per month, a little more money will get you a lot more car.

ST-Line Edition is one of the sportier trims that Ford offers on the Fiesta, and is supposed to look like the Fiesta ST hot hatch. It comes with things like 17-inch alloy wheels, tinted windows, rear parking sensors, cruise control and an eight-inch touchscreen media system with Apple CarPlay and Android Auto. It also comes with a sporty flat-bottomed steering wheel, firmer suspension and more aggressive body styling, including a spoiler.

You can have a few engines with this trim, including a 100hp 1.0-litre EcoBoost engine and a 125hp 1.0-litre EcoBoost mild hybrid. It's the 155hp mild hybrid we're recommending here, as it suits the sporty car with a 0-62mph time of 8.9 seconds.

FORD FIESTA BUYERS' GUIDE

4. Hyundai i30

Our pick Hyundai i30 1.0 120 SE Connect
List price £21,200
Annual mileage limit 8,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£24148£3,0004.8%£6,555£22,633

 

The latest version of the i30 looks more grown up than the one it replaced, and the five-year warranty is an attractive bonus.

It may seem more expensive, but it does away with sparse entry-level models and instead starts with SE Connect, which has alloy wheels, air-conditioning, rear parking sensors, a reversing camera and an eight-inch touchscreen media display.

This is likely to be a family car that spends most of its life ferrying around just the driver, so the 1.0-litre petrol engine should prove adequate. If you want an automatic, expect to pay a premium.

HYUNDAI I30 BUYERS' GUIDE

5. Nissan Juke

Our pick Nissan Juke DIG-T 114 DCT7 Acenta
List price £21,700
Annual mileage limit 8,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£24348£2,5003.99%£9,294£23,957

 

The Nissan Juke has sold in high numbers since it first launched in 2010. The second generation looks similar, but more standard equipment and safety features have made it more compelling. Skip the entry-level Visia model - which comes with LED headlights, digital radio and cruise control - and go for Acenta for 17-inch alloy wheels and an eight-inch touchscreen with Apple CarPlay, Android Auto, and a reversing camera.

There's only one engine on offer and it's a 1.0-litre three-cylinder petrol engine. It produces 114hp and is more suited to leisurely driving. The smooth seven-speed dual-clutch transmission feels more relaxed than the manual, and fits within the £250-per-month budget.

Go for a manual and a slightly larger deposit, and you may be able to afford the N-Connecta trim which has keyless go and automatic climate control.

NISSAN JUKE BUYERS' GUIDE

6. Peugeot 208

Our pick Peugeot 208 PureTech 75 Active Premium
List price £17,860
Annual mileage limit 8,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£23247£2,5004.9%£6,098£20,025

 

The Peugeot 308 used to be a cheaper option to the Volkswagen Polo, but in its latest form it certainly looks the part. 

You'll be looking at an Active Premium model in this price range - that's the entry-level model. It comes with alloy wheels, air-conditioning, rear parking sensors and a seven-inch touchscreen.

The 1.2-litre PureTech 75 engine is efficient - expect around 50mpg - but it needs to be worked quite hard. If you can afford to push the budget a little higher, go for the PureTech 100 engine. It's more powerful, and should be just as efficient in the real world.

MORE ABOUT THE PEUGEOT 208

7. Peugeot 2008

Peugeot 2008 front

Our pick Peugeot 2008 PureTech 100 Active Premium
List price £21,365
Annual mileage limit 8,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£24747£3,0004.9%£8,966£24,092

 

Just like the Juke, the Peugeot 2008 grew up when the old model got replaced by this. It offers the high-riding position of an SUV in the small form of a crossover.

Entry-level Active Premium is more 'premium' than the 208 - you get automatic air conditioning, larger alloy wheels, rear parking sensors and electrically folding mirrors.

You also get the PureTech 100 engine as standard, and it's sufficient for most drivers. If you can afford higher monthly payments, we recommend going up a trim to Allure rather than upgrading the engine.

PEUGEOT 2008 BUYERS' GUIDE

8. Renault Clio

Renault Clio dynamic

Our pick Renault Clio E-Tech 140 Iconic
List price £21,800
Annual mileage limit 8,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£24636£2,5000%£10,194£21,800

 

You may have thought that you were restricted to cheaper petrol and diesel models on this budget, but the hybrid version of the Clio is just about within reach, on an interest-free deal.

The 1.6-litre petrol engine runs alongside a pair of electric motors to produce a total of 140hp - Renault promises almost 65mpg and CO2 emissions of 98g/km.

Iconic used to be reserved for the range-topping models in Renault's lineup, but now it sits in the middle. You get a seven-inch touchscreen, alloy wheels, rear parking sensors, cruise control, keyless entry and air-conditioning.

RENAULT CLIO BUYERS' GUIDE

9. Skoda Kamiq

Our pick Skoda Kamiq 1.0 TSI 110 DSG SE
List price £22,275
Annual mileage limit 10,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£24447£2,5004.9%£8,551£24,776

 

The Kamiq is Skoda's smallest crossover, similar to the Seat Arona and Volkswagen T-Roc and T-Cross.

You can afford more than the S's 16-inch alloys and 6.5-inch touchscreen for £250 a month, though. Get the SE with an upgraded eight-inch touchscreen and 17-inch alloy wheels. All models get LED headlights.

The 1.0-litre petrol engine is better in 110hp than entry-level 95hp form. Get it with the slick dual-clutch automatic and you shouldn't have to work the Kamiq hard to get places. If you want more power, the 150hp 1.5-litre petrol engine should cost a similar figure with a manual gearbox.

SKODA KAMIQ BUYERS' GUIDE

10. Vauxhall Mokka

Our pick Vauxhall Mokka 1.2 Turbo 100 SE
List price £20,240
Annual mileage limit 8,000

Monthly paymentsNumber of paymentsDepositRepresentative APROptional final paymentTotal cost of finance
£22347£3,0363.9%£8,702£22,238

 

This version of the Mokka was completely redesigned - although it looks different, it's still a crossover with a high-riding position and good visibility.

SE is the basic trim, but it still comes with a seven-inch touchscreen media system, 16-inch alloy wheels, LED headlights and cruise control. The SRi is quite a bit more expensive, but does have some pieces of equipment that more basic rivals have as standard, like rear parking sensors, as well as a reversing camera and heated front seats.

The 1.2-litre unit is the only petrol engine you can have at this level - it's this, or a 1.5-litre diesel. It's efficient enough - over 50mpg - and is probably a better fit than the diesel engine which has come under scrutiny lately.

MORE ABOUT THE VAUXHALL MOKKA

 

Latest best cars & vans

  1. Best cabriolet cars

  2. Best summer cars

  3. Cheap cars with nice interiors