Cars under £200 a month for sale

Discover the best range of used cars under £200 a month for sale here on BuyaCar. From small hatchbacks, to roomy estates and family-friendly SUVs, here are the best cars you can buy or finance for under £200. Find your perfect car online, arrange the finance and have it delivered to your door for free.

What used car can I get for £200 a month?

A budget of £200 a month for a used car is plenty to get motoring. Starting with smaller cars costing less than £200 a month, a mid-range Ford Fiesta with fewer than 20,000 miles on the clock is easy to find, as is an Audi A1, Peugeot 208, Renault Clio and Vauxhall Corsa. If you need more space and fancy the loftier driving position of an SUV, higher mileage examples of the Dacia Duster, Ford Kuga, Kia Sportage, Nissan Qashqai and Peugeot 3008 are well within budget. 

How do I find the cheapest car for my budget?

If you are looking to buy a cheap car, try to be realistic about your budget for what you can afford. Even using finance, you still need to think longer term about being able to make monthly payments for the whole length of your finance agreement, so make sure you are staying within your means and don’t overextend yourself with the car you choose too. Remember, larger cars often come with bigger engines, which in turn cost more to run and maintain.

Considering the bigger picture, a hybrid or a fully electric car might be nearer the upper end of your £200 per month budget, but the running costs will be significantly less than with a conventional petrol- or diesel-only equivalent model.

Can anyone get approved for car finance?

Using Personal Contract Purchase – that’s a PCP for short – is the most common way that people finance their cars, new and used, so dealers are well-versed in advising buyers on how to choose a car that meets their needs and their budget requirements. Anyone applying to buy a car on finance will have their credit score checked to ensure they can afford to pay back the loan. Getting approved is more likely if you have chosen a model that fits your budget in the first place.