Best used cars under £400 per month

For under £400 per month everything from classy SUVs and smart saloons to banzai hot hatches and silent electric cars can be yours

Jul 4, 2019

If you can budget £400 per month to spend on a car, a whole world of automotive possibilities opens up before you. At this price point, you can get behind the wheel of everything from premium German saloons and fashionable SUVs to hot hatches and top-of-the-range people-carrying MPVs.

So whatever type of car you need – or want – it might just be worth switching your weekly shop from Waitrose to Lidl for.

Scroll down to take a look at 10 used cars we reckon are well worth checking out for £400 per month. All used car finance quotes are based on a 48 month PCP agreement with 10% deposit and a representative APR of 7.9%.


Best used cars under £400 per month

1. Volvo V60

Latest Volvo V60 deals deals from £18,000
Finance from £262 per month

Volvo has always enjoyed a (well-earned) reputation for creating safe, dependable family holdalls. But recently the company that brought the world the modern three-point seatbelt and side-impact protection systems has also been building cars that ooze understated Scandinavian cool.

The Volvo V60 family estate is one of the latest models to get minimalist Scandi treatment. It offers all the hi-tech gadgets and equipment you expect in a high-end car, but does it without looking overly flash. If you think that a BMW 3 Series, Mercedes C-Class or an Audi A4 Avant are a bit showy, take a look at the V60. You’ll find it has more space inside than its German rivals, too.
Volvo V60 buying guide

2. Mercedes GLC

Latest Mercedes GLC deals from £22,500
Finance from £304 per month

Few badges are as inherently classy as the three-pointed star of Mercedes. And the GLC – a medium-sized SUV – absolutely lives up to the standards implied by that iconic logo. It’s stylish inside and out, feels reassuringly solid both to drive and to simply be in, and isn’t overly large, so it avoids the tank-like feeling you get with some big SUVs.

It’s not the most fun SUV to drive, but enjoying high-speed twists and turns on empty country roads probably isn’t high on your priority list if you’re after an SUV anyway. And as soothing family transport with a great feelgood factor there’s little to beat this medium-sized Merc.
Mercedes GLC buying guide

3. VW Golf R

Latest Volkswagen Golf R deals from £16,995
Finance from £244 per month

Fast? Tick. Fun in the bends? Tick. Spacious? Tick. Enough gadgets to keep you entertained on long journeys? Tick. Economical? Almost a tick…

Okay, so a diesel or a hybrid is going to give you more miles to the gallon than the VW Golf R, but in almost every other respect this is an astoundingly capable machine. It can cruise along the motorway with the family, make you smile should you decide to take the long way home, and swallow all that junk you have to take to the tip without breaking a sweat. It’s so versatile that it’s almost surprising that it can’t cook you breakfast in bed.

4. Skoda Kodiaq

Latest Skoda Kodiaq deals from £18,200
Finance from £277 per month

As a big SUV for relatively little outlay, the Skoda Kodiaq packs quite a punch. It’s well equipped, feels well built and is great value if you find the one with the right specification. Some versions come with seven seats, too.

If you’re being picky you might say rivals like the Kia Sorento offer more space in that third row of seats (and you’d be right), but the Kodiaq feels like a more complete package. If you only need to use seats six and seven for small children or short hops, the Kodiaq should prove a fine choice.
Skoda Kodiaq buying guide

5. BMW 330e

Latest BMW 330e deals from £18,999
Finance from £286 per month

Combining a powerful electric motor that you can top up from the mains with a smooth (and already powerful) turbo petrol engine makes the 330e quite a compelling option.

It’s fun to drive, thanks to the addition of that electric power (and the fact that BMW 3 Series cars tend to be that way inclined anyway), and superbly economical – provided you keep its batteries topped up with regular charging. It can even manage short hops (BMW says up to 25 miles) on electric power alone. If you’re worried that a diesel might be tricky to move on when you come to sell it, this makes for a great alternative.
BMW 3 series buying guide

6. Peugeot 3008

Latest Peugeot 3008 deals from £7,950
Finance from £130 per month

Peugeot has been on a bit of a roll of late, creating stylish, distinctive cars with genuine French flair and a novel approach to interior design. Which is impressive enough in itself. But when you add in the fact that the company – after years of producing cars with consistently poor reliability – has been regularly troubling the top ranks in consumer satisfaction and reliability surveys, you’ve got a tempting recipe.

And the Peugeot 3008 is one product of that recipe - a stylish, well built SUV that should provide enjoyable, stress-free family motoring. At this price you’ll be able to pick an almost-new one, too.
Peugeot 3008 buying guide

7. Mini Cooper S

Mini Cooper S deals from £9,499
Finance from £140 per month

There are few cars that can put a smile on your face like a MINI on an empty country road. We could have picked the smaller, perkier three-door hatch here, but the five-door version is still a hoot to drive. Plus, it comes with the added benefit of a pair of rear doors and more interior space, so it counts as a family car as well as something fun to whizz around in.

Minis also generally hold their value exceptionally well, which makes them a cheaper prospect if you’re going for a PCP deal.
Mini Hatchbak buying guide

8. Citroen Grand C4 Space Tourer 

Latest Citroen Grand C4 SpaceTourer deals from £14,975
Finance from £203 per month

SUVs might be fashionable, but if you really need a holdall for a big family, then a traditional MPV really is hard to beat as a way to move people and things. And the Citroen Grand C4 SpaceTourer makes a virtue of all that’s good about MPVs - an airy, light cabin, plenty of space inside and loads of easily accessible cargo space when you get the passenger seats out of the way.

That it’s also comfortable to ride in, well equipped, and has an appealingly sci-fi look inside and out only add to its appeal.
Citroen Grand C4 SpaceTourer buying guide

9. Kia Niro

Latest Kia Niro deals from £15,995
Finance from £221 per month

There’s nothing wrong with a Toyota Prius, but you might not want to look like an Uber driver every time you head out on the road. If that sounds like you, then a Kia Niro should be an excellent choice.

It comes in three different versions – hybrid, plug-in hybrid (which can run short trips on purely electric power) and a fully-electric version. It was also designed from the outset as a hybrid model, so the batteries don’t compromise the space available in that practical SUV/estate body.
Kia Niro buying guides

10. Nissan Leaf

 Latest Nissan Leaf deals from £23,990
Finance from £359 per month

The original Nissan Leaf was the car that, more than any other, made electric vehicles ‘normal’. This is the second generation of Nissan Leaf and, if anything, it makes electric motoring even less of a compromise.

There’s plenty of space inside for a family of four, its electric motor is powerful enough to whisk you along surprisingly rapidly, and it should be able to manage at least 150 miles between charges. All for the price of a high-end Ford Focus.
Nissan Leaf buying guide


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