Cars for under £250 a month

Sporty hatchbacks, big SUVs, and even hybrids: you can find your perfect new or used car for under £250 a month

Murray Scullion
Nov 7, 2018

Nine in ten new cars are now bought using finance and increasing numbers of used car buyers are choosing to pay for in monthly instalments too.

It's no wonder, given that a budget of £250 a month gives you the choice of hundreds of different cars. From tall and rugged sport utility vehicles (SUVs) to small and sleek sports cars. Premium models and hybrid vehicles are available too.

We've selected ten of the best models: five new cars and five used cars below, but this barely scratches the surface: there are currently 32109 cars available from BuyaCar for under £250 per month on finance, and a host of offers on brand new models that also bring them within budget.

Apart from one or two new car offers, all of the deals below are based on quotes for PCP finance, where monthly payments don't cover the full cost of the car. You can buy the car for an additional sum or return it at the end of the agreement.

Used cars under £250 a month

Nissan Qashqai

Best used car under £250 a month for crossover lovers

Our pick Nissan Qashqai 1.5 dCi Tekna
Latest Nissan Qashqai deals from £7,592
Finance from £134 per month 

Crossovers are cars that combine the high-driving position of an off-roader and with the frugality of a regular hatchback. If that sounds up your street, the Nissan Qashqai is one of the most accomplished on the market, as well as the car that spearheaded this particular niche.

The Qashqai is a hugely popular car too, which means there are thousands out there on the used market. For £250 a month we’d recommend finding a high-specification Tekna model. This comes with mod-cons like a dashboard touchscreen with sat-nav and an excellent 360-degree camera, which gives you a bird's-eye view all-round the car, plus, an assisted parking system which steers itself into a space.
Nissan Qashqai buying guide 

Land Rover Freelander

Best used car for under £250 a month for off-roading

Our pick Land Rover Freelander 2.2 4x4 XS
Latest Land Rover freelander deals from £13,495
Finance from £232 per month

Land Rover has built its reputation on vehicles that offer luxury and comfort on tarmac, and all-conquering ability off road, no matter which car you choose from its range. That's he case for the small Freelander, which is no loner in production, but still features some sophisticated gadgets to boost grip when you're scrabbling up a muddy slope.

This includes Land Rover’s clever Terrain Response Control, which allows the driver to tell the car what sort of surface it is on, so that the car's settings can be adjusted for optimum performance. For £250 a month, you can expect a 2014 model in mid-range specification, with the 2.2-litre diesel engine.


Mercedes E-Class

Best used car for under £250 a month for executives

Our pick Mercedes E 250 CDI
Latest Mercedes E-Class deals from £12,999
Finance from £192 per month

Mercedes is famed for its build-quality and luxury of interiors. If you’ve been to Germany you might have sat in the back of an E-Class taxi, and if you think that’s nice, you should sit in the front.

For this budget you won’t be getting the latest model, but, while this previous-generation car was designed nearly a decade ago and is no longer on sale, it’s still up there with the best in terms of comfort. It’s worth keeping an eye out for AMG Line cars, as these received bigger wheels that really lift the car’s appearance.
Mercedes E-Class buying guide 


Peugeot RCZ

Best used car for under £250 for style lovers

Our pick Peugeot RCZ R

Peugeot's RCZ is the prettiest car in this price bracket by some margin. Sure, if you look hard enough there’s an awkward angle or two, but it’s really really good looking from the rear, with its ‘double bubble’ rear window which shallows in the middle.

If you're lucky you might be able to pinch a Peugeot RCZ R for this price bracket. It makes 270hp from its turbocharged 1.6-litre engine, which gives it a 0-62mph time of 5.9 seconds, which is plenty fast.


Ford Fiesta

Best used car for under £250 for a family hatchback

Our pick Ford Fiesta ST Line 1.0 Ecoboost
Latest Ford Fiesta deals from £7,189
Finance from £111 per month

The Ford Fiesta is an award-winning small car, with a dazzling array of options and colours. It’s remarkably fun to drive, but practical enough for most families on a day to day basis.

It’s a best-seller too, which means you’re spoilt for choice. And at this price range you can afford to get yourself one of the posher models. We’d recommend a nearly-new ST Line model, complete with sporty looking bodykit and dashboard touchscreen. Ford’s lovely 1.0-litre Ecoboost engine suits the car well - it’s worth getting the most powerful version of this if you can afford it.
Ford Fiesta buying guide 

New cars under £250 a month

Audi A3

Best new car for under £250 a month for premium hatchbacks

Our pick Audi A3 Sportback Black Edition
£249 per month over 47 months
£1,494 deposit, PCH

To some, the A3 might only be a posh VW Golf, and while it shares the same humble underpinnings, there’s no denying that the A3 is a cut above the Golf. The interior is business-like and brimming with technology, and it feels well built too. Reassuring thuds accompany every press of well made and solid feeling buttons.

For your £249 you’ll get a five-door Sportback model in Black Edition specification, with the 30 TFSI petrol (115bhp) engine. This deal might not be suitable for business users as there is a 10,000 miles per year mileage limit attached to it.
Audi A3 buying guide

Volkswagen Golf

Best new car for under £250 a month for all-round ability

Our pick Volkswagen Golf 1.5 TSI R Line
£235 per month over four years
£4,751 deposit, 5.5% APR

The Golf has long been the standard choice for families who want a car that won’t cause them any trouble. But in truth, the Volkswagen Golf is such an impressive all-rounder, it’s nearly excellent in every aspect. It’s well built, practical, and has loads of different options depending on your needs.

You can get a 1.5-litre petrol car in this price bracket, which is more than enough for most people’s needs. We’d recommend a diesel if you’re going to travel more than 12,000 miles a year in it - although most people won’t.
Volkswagen Golf buying guide

Skoda Karoq

Best new car for under £250 a month for space

Our pick Skoda Karoq 1.6 TDI SE
£229 per month over 47 months
£4,751.45 deposit, 6.8% APR

Skoda’s Karoq is an accomplished medium-sized crossover, that shares many components with other Volkswagen Group cars like the Seat Ateca

There's space in abundance: in the boot, at the front and the rear seats have plenty of legroom too. For less than £250 a month, you’ll just about get an entry-level SE car. Not that you miss out on much, as these cars come with Apple CarPlay, Android Auto, Cruise Control, and even AEB.
Skoda Karoq buying guide

Renault Captur

Best new car for under £250 a month for chic style

Our pick Renault Captur Iconic
£239 per month over four years
£239 deposit, 4.9% APR

Renault’s Captur is a stylish small crossover that has many strings to its bow. It’s a crossover - so naturally has a lofty driving position. But it also has a huge boot - one that’s 155 litres larger than a Clio’s.

There’s also 215mm of knee room in the rear - 50% greater than the Clio. So it’s a useful family workhorse that manages to straddle the line between style and practicality with aplomb. And it can be had for as little as £209 a month, although we'd opt for the a Iconic spec model. These come in at £239 a month, but do have bigger wheels, tinted windows, and rear parking sensors.

Renault Captur buying guide

Hyundai Ioniq

Best new car for under £250 a month for zero emissions

Our pick Hyundai Ioniq Hybrid Premium 
£249 per month over 43 months
£4,500 deposit, 3.0% APR

Hyundai may have arrived late to the hybrid game, well behind the likes of the Toyota Prius, but it’s attempting to go toe to toe with the Uber drivers’ favourite.

It’s considerably cheaper than the Prius, plus, it can be had as a hybrid, plug-in hybrid, and in all-electric configuration. For this price point you’ll only be able to afford the regular hybrid version, but, it’s still around £100 a month cheaper than a Prius.
Hyundai Ioniq buying guide 


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