Tips and Advice

Best cars under £200 per month

There are are some real new and nearly-new bargains out there, for £200 per month or less

If you've got £200 a month set aside for a new car, you're actually in a great position to drive something really special. We've looked at what £100 a month can put on your driveway, but doubling that figure more than doubles your choice.

As well as PCP finance, which is by far the most popular way to buy a new car right now, this kind of monthly budget also unlocks the option of personal leasing. This takes much of the worry of ownership away, and you'll be impressed by what you can drive for your money.

While £100 a month won't put you behind the wheel of many new cars, online brokers such as Buyacar allow you to choose from a wide range of new and nearly new cars of all shapes and sizes for a £200 monthly payment. This leaves you safe in the knowledge that your monthly payment won't change, so it's easier to budget for regular maintenance and those unpredictable motoring bills that pop up from time to time.

Here's taste of just what brokers like BuyaCar can put on your driveway for £200 a month. We've taken a look at both lease and PCP deals, and in many cases the initial deposit is not more than the equivalent of three monthly payments.

Volkswagen Polo

The Volkswagen Polo is one of the classiest superminis you can buy, and you can drive a brand new 1.0-litre SE for less than £200 a month. You'll need to make six payments up front, but £187.96 is all you'll need to pay every month for three years, for a maximum of 10,000 miles a year.

SEAT Ibiza

The SEAT Ibiza actually breaks the £200 barrier, but only by 3p, and only requires three payments up front. For £600.09 down, you can drive an Ibiza 1.0 SE for £200.03 on a 35-month lease deal with a 10,000-mile annual limit. Not bad for a brand new, sporty hatchback.


Mazda's supermini, the Mazda2, is a great-looking car with a real feeling of quality. BuyaCar can put you behind the wheel of a 1.5 SE Nav for £187 a month on a 47-month lease deal. There's more good news, too – you only need to make three payments up front, and there's a 10,000 mile limit.


As proof of just how competitive lease deals can be, the Mazda2's bigger brother, the Mazda3, is only £5 a month more expensive. You can drive a 2.0-litre SE for £192 a month on a 48-month lease through BuyaCar, with just three up-front payments and a £10,000-mile annual limit.

SEAT Arona

Cars don't get much more fashionable than SEAT's smallest SUV, the Arona, and it's even more enticing when you can have a 1.0-litre SE Technology for £198 a month on a two-year lease through BuyaCar, with only three up-front payments required. The mileage cap is 10,000 a year.

DS 3 Cabriolet

By going for a nearly new car, you can enjoy roof-down fun in a DS 3 Cabriolet for £200 a month on a four-year PCP through BuyaCar. You'll need to place a £1,385 deposit, but when your payments are over, you can choose to own it outright after a final payment of £5,749.

Volkswagen Golf Estate

If it's a practical family car you're after, few blend classy looks and carrying capacity like the Golf Estate, and you can drive a nearly new 1.6-litre diesel SE for £200 a month on a four year BuyaCar PCP. The initial deposit is £1,417, and a final payment of £6,149 makes it yours to keep.

BMW 3 Series

If you're willing to look at something a little older, BuyaCar can put you behind the wheel of one of the most highly regarded saloon cars you can buy. A BMW 320d Sport can be yours for £200 a month on a four-year PCP after you place a deposit of £1,388. If you enjoy it so much you want to own it outright, a final £5,945 payment makes it yours.

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