Best used cars for under £250 per month

Sporty hatchbacks, fashionable crossovers, and even hybrids: you can find your perfect used car for under £250 a month

Simon Ostler
Aug 19, 2020

A budget of £250 per month might not sound like a lot when you're thinking of getting a new car, but we've managed to put together a pretty exciting list of cars that you could be driving for comfortably less than that.

The best used cars we could find on BuyaCar for under £250 per month include some very high quality - and very desirable - cars. We've picked out 10 of the best among 25521 cars models currently up for grabs.

From classy and refined saloons to hard-hitting hot hatches and cutting-edge hybrids, you really can get your hands on pretty much anything at this price point - and you can be sure they'll be good examples too.

All of the deals below are based on a typical four-year PCP finance agreement, with an annual 8,000-mile allowance and a £1,000 deposit. Read our helpful PCP explainer for all the details.

Best used cars for under £250 a month

1. Jaguar XF

Our pick Jaguar XF Portfolio
Used Jaguar XF deals from £13,995
Monthly finance from £213

Here we have a very genuine competitor to the BMW 3 Series and Mercedes-Benz E-Class and, as you'll see from this list, it comes in at a very reasonable price in comparison - the 3 Series doesn't make it onto this list.

Not only are you getting a saloon with the kind of quality you would expect from those established German manufacturers, you're also getting a decent - albeit limited - range of engines.

For this £250 per month budget we've picked out XF models with the Portfolio trim, which concentrates on delivering luxury by giving you highly adjustable seats, lot of leather inside and a high-end Meridian sound system.


2. Audi A4

Our pick Audi A4 Black Edition
Used Audi A4 deals from £11,990
Monthly finance from £221

The Audi A4 has a lot going for it. For a start, it's strong residual value help to keep it within our £250 per month budget, but aside from that, it also brings that fabled Audi quality.

You get a very strong range of useful engines too. We'd forgo the underpowered 1.4-litre petrol (TFSI) in favour of a more powerful 2.0-litre, or indeed, any of the frugal 2.0-litre diesels (TDI).

For this price range we've found a number of models with the range-topping Black Edition trim. So not only are you getting a high-quality saloon, you'll be looking at some of the best.

Audi A4 buyer's guide

3. Hyundai Ioniq Hybrid

Our pick Hyundai Ioniq Hybrid Premium
Used Hyundai Ioniq deals from £11,690
Monthly finance from £148

When you start thinking about a new car in this day and age it's hard to ignore the growing presence of the hybrid market. Cars like the Hyundai Ioniq Hybrid have become viable alternatives to the Volkswagen Passat or Vauxhall Insignia.

Not only will you save on fuel and road tax, hybrids and electric cars are also a good choice for those who spend time driving around London, as you can save on things like ULEZ charges.

We've found a number of Ioniq models in Premium trim which brings an eight-inch touchscreen, sat-nav, Android Auto and Apple CarPlay compatibility and wireless smartphone charging.


4. Mercedes E-Class

Used Mercedes E-Class deals from £12,580
Monthly finance from £202

If the Jaguar XF we suggested above simply doesn't do it for you, the Mercedes E-Class is another option for you. Mercedes is famed for its exceptional build-quality and luxury interiors. If you’ve been to Germany you might have sat in the back of an E-Class taxi and thought: 'this is nice'.

Well now you have the chance to sit in the driving seat, because we've got plenty of E-Class models available for less than £250 per month on Buyacar. It's a comfortable and stylish saloon, with a strong range of engines on offer - even the cheapest 220d is powerful and economical - while AMG Line trim is packed with technology.

For this budget, you'll be looking at something between three and five years old, but that's not to say you will be worse off. The E-Class is a high-quality vehicle, and one which has been build to last.


5. Peugeot 508

Our pick Peugeot 508 GT Line
Used Peugeot 508 deals Limited stock

The previous generation Peugeot 508 Saloon may not be the most exciting prospect, but up against the likes of the Ford Mondeo, it actually brings a fair amount of appeal, especially in GT Line spec.

Within this £250 per month budget you'll be looking at GT Line trim models with the 2-litre, 150hp diesel engine that brings an acceptable level of performance. Although we are beginning to see cheaper versions of the latest 508 model - which is a far more exciting and high-quality option - dropping into this price point, which is severely tempting.

Whichever model you go for, new or old, if you're after something that offers a little bit of everything, the 508 might just be for you.


6. Mazda MX-5 RF

Used Mazda MX-5 RF deals from £14,995
Monthly finance from £227

The Mazda MX-5 RF was only introduced in 2017, yet it still comes in below £250 per month. What you're getting here is the stylish and low-lying appeal of the standard MX-5 but with the addition of a convertible hardtop.

Because the RF is still relatively new, you will be scratching around lower end of the performance tree, but you will still be getting a very appealing little sports car with plenty of power and exciting handling.

For a small car that provides a pure driving experience, there really isn't a better alternative to the MX- 5 RF at this price point.


7. BMW 1 Series

Our pick BMW 1 Series M Sport Shadow Edition
Used BMW 1 Series deals from £15,000
Monthly finance from £238

The BMW 1 Series packages all of the features of the German marque into a very compact hatchback. This is another previous generation model that has been replaced by a newer and much more expensive version - the latest 1 Series is currently available for over £300 per month - but that doesn't mean you should write off what is still a very desirable hatchback.

You still get all of the quality of a 3 Series, and the BMW badge of course, and it's still incredibly fun to drive thanks to it's rear-wheel-drive setup - something absent from the newest model. The 1 Series is the sportiest of the posh hatchbacks, airing more on the side of driving pleasure than the Mercedes A-Class or Audi A1.

Your £250 per month will get you behind the wheel of a 2018 model in M Sport Shadow Edition trim, which will get you sports seats and some sporty exterior styling. But you will be missing out on the more powerful engines, so bear in mind you might not be driving the fastest 1 Series out there.


8. Seat Arona

Our pick Seat Arona FR
Used Seat Arona deals from £13,450
Monthly finance from £195

The Arona may be the baby of the Seat SUV range, but that doesn’t mean it’s lacking in punch, especially not in FR spec.

You get a nippy, yet economical 115hp 1.0-litre petrol engine, 17-inch alloy wheels, twin tail pipes, sports seats, sports suspension and a whole load of electronic driver assistance tech. The Arona really does come into it's own at this price point.

Yet. because it's technically an SUV, it also feels remarkably grown up inside. It easily has enough room inside for a small family, with 400-litres of space in the boot, which increases to 823-litres with the seats down.


9. Skoda Superb

Our pick SE L Executive
Used Skoda Superb deals from £10,990
Monthly finance from £178

If you have a lot of things to carry, the Skoda Superb is probably your best choice. With a cavernous boot and huge amounts of space in the back, you won't be left wanting.

This car is hugely spacious in both saloon and estate guise and also puts an emphasis on fuel economy, so it's also immensely good value for commuting.

Better still is that within our £250 per month budget you can go for an SE L Executive model, which brings a 9.2-inch touchscreen display, leather upholstery, heated front seats and a motorised boot lid.


10. Volkswagen Golf GTI

Used Volkswagen Golf GTI deals from £13,100
Monthly finance from £234

Finally, we have a seriously hot hatchback. The Golf GTI has attained iconic status over its lifetime and it's still going strong as one of the most exciting cars on the market to drive.

Expect prices for this model to continue to drop, as the latest Golf GTI is due to arrive in Autumn 2020 - this one definitely won't be available at this price. As with several of the other options on this list, though, the fact they've been replaced does not make them obsolete. That's doubly true for the outgoing Golf GTI.

With a one-size-fits-all 2.0-litre petrol engine producing 230hp there isn't really anything that comes close within our £250 per month budget. In terms of tech and equipment, you'll get everything from the standard Golf, and a whole load of extras that make the GTI feel like a very good value option.



Latest advice

  1. Car finance with a good credit score

  2. Fair credit score loans

  3. Used car checklist: what to look for when buying a used car

What our customers say