Two hundred pounds might buy you a month of phone use, a gym membership and a few streaming subscriptions.
Or, for the same money, you could drive away in a car that’s only several years old, with modern tech and low mileage. You’ll also benefit from handy safety features and engines that are more economical than ever before.
And a £200 per month budget is enough to put an impressively wide choice of cars in your parking space. You can find city-friendly superminis or family-friendly SUVs that are ready for adventure. The only question now is… which one is going to be your next car?
Shop all used cars for £200 per month or less here or cars for £200 per month with no deposit.
Vauxhall Corsa
The UK’s most popular car is widely available for under £200 per month. It’s not only a big seller because it’s affordable, but because it’s a talented all-rounder of a thing. Fun to drive and peppy, yet economical and mostly comfortable. Well equipped for the price, yet also big enough to carry your friends without them feeling scrunched up behind you. Go for a top-spec Elite Edition car and you’ll enjoy heated seats, high-beam assist and a system that can automatically adjust your speed when the limit changes – quite rare features in such a small and inexpensive car. And now, you can get facelifted Corsas – like the one in our picture – within budget, too!
Shop used Vauxhall Corsa cars for sale or read our Vauxhall Corsa review
Skoda Kamiq
The Skoda Kamiq may be the smallest SUV in the Czech brand's range, but no one's told the Kamiq that! This compact family car is barely any bigger than hatches like the Volkswagen Golf on the outside, but squeezes so much passenger room into the cabin that it can compete with larger SUVs from the class above. You can seat four six-footers in comfort, or squeeze a fifth in for shorter journeys, while also having enough boot space for a couple of big suitcases. Plus, it's more fun to drive than you'd expect, with fast steering and level handling.
Shop used Skoda Kamiq cars for sale or read our Skoda Kamiq review
Volkswagen T-Cross
Sharing its bones with the Kamiq above – and the SEAT Arona – the T-Cross boasts a similar set of plus-points. It's surprisingly spacious, both for passengers and for luggage, and the driving experience is grown-up. In other words, it feels like a bigger car than it is – but in town it's easy to park. Powered by a turbocharged 1.0-litre engine, the T-Cross has plenty of power for everyday driving and cheap to run – you could see around 50mpg if you stick Magic FM on and chill out.
Shop used Volkswagen T-Cross cars for sale or read our Volkswagen T-Cross review
SEAT Leon
Alongside the Ibiza, the bigger SEAT Leon slots in under £200 per month. The Leon is a Volkswagen Golf but with sharper looks and lower prices, so you still get a spacious and techy cabin and a good-sized boot. There are a couple of petrol engines to pick from, and we’d pick either the SE Dynamic or the sporty FR trims.
Shop used SEAT Leon cars for sale or read our SEAT Leon review
Nissan Juke
Some might dismiss the Nissan Juke as style over substance but the second-generation car finally puts those criticisms to bed. The cabin feels surprisingly premium at this price point, with lots of soft-touch materials and deliberately styled elements to lift the passenger experience. What's more, as long as you're not carrying especially lofty passengers in the back, you'll find the Juke is more practical than you might expect with decent rear legroom and a usefully square boot.
Shop used Nissan Juke cars for sale or read our Nissan Juke review
Renault Clio
The Renault Clio has always been a stylish alternative to the Ford Fiesta and Volkswagen Polo, but you might not realise it has a pretty plush interior for the price – which usually undercuts most of its rivals. Under £200 per month gets you a wide choice of high-spec Clios with an economical turbocharged petrol engine. The Clio can’t quite match its rivals for rear-seat space – there’s just enough space for adults provided front-row occupants aren’t really tall – but the Clio offers the biggest boot of any supermini.
Shop used Renault Clio cars for sale or read our Renault Clio review
Dacia Duster
The Dacia Duster is an unpretentious and rugged SUV that’s seriously good value. Spacious, big-booted and easy to wipe down – the Duster is the perfect adventure vehicle. Tried-and-tested Renault parts, including the petrol engines and interior switchgear, should give you confidence about the Duster’s longevity. Whether you simply want basic transport or a few extra features, the Dacia has you covered. If you fall into the latter camp, look for a Duster with alloy wheels, as these trim levels also come with a rear-view camera, cruise control and an easy-to-use touchscreen with sat nav, Apple CarPlay and Android Auto.
Shop used Dacia Duster cars for sale or read our Dacia Duster review
Citroen C4
Want something stylish, practical and comfortable? Sounds like a tough ask – unless you buy a Citroen C4. This VW Golf rival brings sleek coupe-SUV styling, with fancy split headlights and intricate detailing. With clever suspension and cushioned seats, the C4 is the perfect antidote to potholed roads and stressful commutes. There are petrol, diesel and fully electric versions, with the latter being cheapest to buy and cheapest to run. The C4 is a hatchback but there's also the C4 X if you want a saloon.
Shop used Citroen C4 cars for sale or read our Citroen C4 review
Toyota Aygo X
Not an Aygo with a kiss, but a brand-new city car that blends easy-to-park dimensions and SUV styling. The Toyota Aygo X builds on the Aygo’s strengths, so there’s a little bit more rear-seat space, a better touchscreen and a bit more equipment. You still won’t be getting up to motorway speeds in a hurry – it continues to show its best efforts in town – but the upshot of its 72hp engine is excellent fuel economy. Insurance is nice and cheap, too.
Shop used Toyota Aygo X cars for sale or read our Toyota Aygo X review
Volkswagen ID.3
The Volkswagen ID.3 – a Golf-sized electric car – is now starting to slip under £200 per month, and this feels like a no-brainer if you’re able to fit an electric car into your lifestyle. Around 200 miles of range, much more passenger space than a Golf, and the potential for super-cheap running costs make the ID.3 a strong choice for a family car. As with many electric cars, you get a smooth driving experience with nippy acceleration and fun handling.
Also check out the MG4 if you're after an EV for this budget – its eye-catching styling, excellent value for money and modern interior make one of our favourite electric hatchbacks.
Shop used Volkswagen ID.3 cars for sale or read our Volkswagen ID.3 review
Read our top picks for other monthly budgets
- 10 of the best cars for under £150 per month
- 10 of the best cars for under £250 per month
- 10 of the best cars for under £300 per month
- 10 of the best cars for under £400 per month
Affordable finance on used cars
Check out Motorpoint's huge selection of nearly new and used cars, all with a range of flexible finance options.
