Best used cars for under £200 a month

From sporty hatchbacks to big SUVs: you can find the perfect used car for under £200 a month

BuyaCar team
Jun 8, 2018

£200 a month might not sound like a lot for a car, but it opens up an entire world of personal mobility. Family hatchbacks, massive SUVs, and even sporty coupes all fall within the realms of this budget.

Below are 10 tempting picks from thousands of possible choices you have on offer. They go from least expensive to most expensive, and all of them are based on Personal Contract Purchase (PCP) deals.

This type of finance allows you to buy the car at the end of the agreement for a lump sum, hand the car back, or trade the car back for a new model. You can read more about PCP here.

Skoda Octavia estate

Best used car under £200 a month for customer satisfaction

Representative example Skoda Octavia Estate 1.6 TDI SE Age 2013 / 30,000 miles
Price £10,981 Deposit £1,110 Monthly repayments £165 Term 48 months APR 8.9%

Skodas are marketed on providing no-nonsense, dependable transport that feels as if it’s really built to last. And that’s generally the case, too, because the cars tend to sparkle in ownership satisfaction surveys. The Octavia uses sophisticated mechanical parts shared with the VW Golf, so is genuinely smooth, quiet and enjoyable to drive, while the interior space – especially in estate form – is cavernous, even shading some much more expensive cars.

Mini Hatchback

Best used car under £200 a month for driving fun

Representative example Mini Cooper S Hatchback Age 2013 / 30,000 miles
Price £11,400 Deposit £1,152 Monthly repayments £177 Term 48 months APR 7.9%

There are more powerful hatchbacks around, but few cars – at any price – are as much fun to drive as a Mini Cooper S. If you’re looking for practicality, this won’t be for you, but as long as you don’t need to use the rear seats often, the small interior won’t be a problem. The previous-generation Mini was expensive when new, but makes a tempting used proposition as it holds onto its value exceptionally well, so you’ll get more of your money back when it comes time to part-exchange for a newer car.

Honda Civic Tourer

Best used car under £200 a month for design and practicality

Representative example Honda Civic Tourer 1.8 i-VTEC SE Plus Age 2014 / 25,000 miles 
Price £11,400 Deposit £1,152 Monthly repayments £177 Term 48 months APR 7.9%

The curved lines of the Honda Civic Tourer might lead you to think that its boot space is somewhat limited. In fact, nothing could be further from the truth – this is one of the biggest cars in its class for luggage capacity, beating the Volkswagen Golf and even the Skoda Octavia. You get plenty of equipment as standard, too, as well as an efficient diesel engine. The petrol-powered models are a bit slow, however.

Peugeot 308 SW

Best used car under £200 a month for load space

Representative example Peugeot 308 SW 1.6 BlueHDi Active Age 2015 / 30,000 miles 
Price £10,745 Deposit £1,087 Monthly repayments £181 Term 48 months APR 8.9%

The cavernous load area of the Peugeot 308 SW is the biggest in its class, while the restrained simple lines make this family-oriented Peugeot a classy-looking estate. The minimalism continues inside with a pared-back dash that keeps fussy-looking buttons to a minimum. Don’t think that this equates to a spartan specification, though – you still get air-conditioning and wireless Bluetooth phone connectivity even on the most basic models.

BMW 3 series

Best used car under £200 a month for premium quality

Representative example BMW 320d Age 2012 / 40,000 miles
Price £11,990 Deposit £1,211 Monthly repayments £182 Term 48 months APR 8.9%

If you want a little luxury and prestige for your £200, then you should set your sights on a small sports saloon. Options here include the Audi A4, Mercedes C Class and Lexus IS, but we’ve plumped for the BMW 3 Series, as it’s the best to drive, and there are plenty to choose from. There’s also a huge range of trim levels, and a wide choice of petrol or diesel engines, so you’re sure to find a model that suits you.

Dacia Duster

Best used car under £200 a month for value

Representative example Dacia Duster 1.5 dCi 110 Laureate Age nearly new / 100 miles
Price £11,499 Deposit £1,162 Monthly repayments £184 Term 48 months APR 7.9%

The Dacia Duster offers an enormous amount of car for your money, giving you a good-sized SUV for less than the cost of a supermini like the Ford Fiesta. It’s comfortable too. Avoid the spartan entry-level Access models, as they really do offer little in the way of standard kit. Equipment is much more generous in the Laureate trim level, which offers alloy wheels, a digital radio, air-conditioning and cruise control. A nearly new model with barely 100 miles on the clock should be within budget.

Mazda 6

Best used car under £200 a month for all-round versatility

Representative example Mazda 6 2.2D SE-L Nav Age 2014 / 40,000 miles
Price £12,495 Deposit £1,262 Monthly repayments £188 Term 48 months APR 7.9%

The Mazda 6 adds a dash of style to the large family saloon format – a type of car not generally known for glamour. But the Mazda doesn’t forget the job of being a practical jack-of-all-trades workhorse: It’s spacious, economical and has a reputation for good reliability. This type of car has been unpopular in recent years, with buyers opting for SUVs and people carriers instead, but the Mazda 6 proves that a simple saloon can still provide brilliant family motoring.

Honda CR-V

Best used car under £200 a month for the space and height of an SUV

Representative example Honda CR-V 1.6 i-DTEC S Age 2013 / 50,000 miles
Price £11,999 Deposit £1,212 Monthly repayments £195 Term 48 months APR 7.9%

Combining the rugged looks and high driving position of an off-roader with the practicality of an estate makes the CR-V a formidable family car. Add in hi-tech safety features and a great reputation for reliability, and the CR-V becomes quite a tempting proposition. Be careful which one you go for, though - even though this car looks like an off-roader, most models are front-wheel drive only, so if you need to get out of muddy fields on a regular basis, make sure you pick the four-wheel drive versions.

Ford S-Max

Best used car under £200 a month for seven seats

Representative example Ford S-Max Titanium TDCI Age 2013 / 40,000 miles
Price £12,600 Deposit £1,272 Monthly repayments £196 Term 48 months APR 8.9%

People carriers are never going to be stylish but the Ford S-Max could be as close as you can get. It may have been replaced by a newer model in 2015 but the older car still looks good, particularly in glitzy Titanium trim, and is far more fun to drive than such a big car has any right to be. Add that to the usual people carrier virtues of big carrying capacity for both luggage and people, and you have a winning formula. The S-Max has always been a popular seller, too, so there are loads of examples to choose from.

Audi TT

Best used car under £200 a month for performance

Representative example Auti TT Coupé 2.0 FSI S Line Age 2015 / 30,000 miles
Price £17,384 Deposit £1,757 Monthly repayments £197 Term 48 months APR 7.9%

The Audi TT may be based on a sensible VW Golf underneath, but it’s a VW Golf that’s seriously let its hair down. This is by far one of the most stylish cars you can get for £200, plus, one of the fastest.

For £200 a month you can just about find a 2015 model 2.0 FSI sporting a healthy £230bhp and a 0-62mph time of six seconds.

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