Cars under £250 a month

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

Murray Scullion
Aug 13, 2018

Most car purchases are completed via finance of some description these days. People love the affordability it provides, and the fact that it makes your finances easier to calculate because of fixed monthly costs.

£250 a month brings with it a vast quantity of available cars. SUVs, sports cars, and even hybrids are all available at this price point.

We’ve selected ten of the best out there - broken down into used, and new cars.

All of the deals below are using Personal Contract Purchase. You can read more about that here.

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 £8,995
Finance from £145 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 £235 per month

Land Rover is the de facto brand for people seeking off-roaders - and there’s a reason for that. It’s generally regarded as the best in the business, with years of experience. Even the baby of its range, the Freelander, has some proper hardcore off-roading bits of kit attached to it.

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 can makes changes to the suspension. 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-Class 250CDI
Latest Mercedes E-Class deals from £13,999
Finance from £206 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
Latest Peugeot RCZ deals from £10,000
Finance from £158 per month

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 £7,999
Finance from £124 per month

The Ford Fiesta is an award-winning supermini, 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 touchscreen entertainment system. 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

BMW 1 Series

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

Our pick BMW 1 Series 118i M Sport
Latest BMW 1 Series deals from £9,389
Finance from £150 per month

It might be hard to believe, but £250 a month will get you a new BMW on your driveway. It’s the smallest car of the BMW range, but it’s also one of the best of the current crop of premium hatchbacks on offer.

The deposit is £4,667.79 on this PCP deal, which is more than reasonable too. It’s a base specification car on offer, not that it matters, because the 1-Series is a much better drive than its competitors in this segment.
BMW 1 Series buying guide

Volkswagen Golf

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

Our pick Volkswagen Golf 1.0TSI SE
Latest Volkswagen Golf deals from £7,449
Finance from £83 per month

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 1.0-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 - but most people won’t. This can be had in SE spec with mod cons like sat-nav.
Volkswagen Golf buying guide

Skoda Kodiaq

Best new car for under £250 a month for space

Our pick Skoda Kodiaq 1.4 TSI S
Latest Skoda Kodiaq deals from £22,950
Finance from £324 per month

Skoda’s Kodiaq is an accomplished large family car, that shares many components with other Volkswagen Group cars like the Volkswagen Tiguan.

It concentrates on space, which it has in abundance. There’s loads of room up front, and the rear feels cavernous too. The Kodiaq is available with seven seats (which eat into the boot space) but not in this price range. For this sort of price you’ll just about get a base model - not that you’re missing out on much.
Skoda Kodiaq buying guide

Renault Captur

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

Our pick Renault Captur 1.5 dCi Expression +
Latest Renault Captur deals from £7,666
Finance from £127 per month

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 £229 a month, with only a £229 deposit. That’s for an Iconic specification car too - with LED lights and alloy wheels.
Renault Captur buying guide

Hyundai Ioniq

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

Our pick Hyundai Ioniq Hybrid Premium 
Latest Hyundai Ioniq deals from £15,488
Finance from £207 per month

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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