10 of the best cars for under £200 per month | October 2026

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.

Ford Puma

• Keen handling and great fuel economy
• Interior is easy to get to grips with
• Big boot

There are benefits of going for a highly popular car – including that there are now used examples of the Ford Puma for under £200 per month. The Puma is much more practical than the Fiesta it's based on, but it still feels small enough to be easy to drive and easy to park. You'll want to go the long way home in the Puma so you can enjoy its peppy engine and slick manual gearshift. But its mild-hybrid petrol engine ensures you'll manage over 50mpg, too.

Shop used Ford Puma cars for sale or read our Ford Puma review

Renault Clio

• Sophisticated interior
• Decently equipped for the price
• Larger Renault models also available for under £200 per month

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. If you need more rear-seat space than the Clio offers, check out the related Renault Captur.

Shop used Renault Clio cars for sale or read our Renault Clio review

Dacia Duster

• Cheap and cheerful
• High-spec cars get more creature comforts
• Small engines boost fuel economy

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

Dacia Jogger

• Based on the Sandero
• Seven seats
• Spacious cabin and big boot when seats are folded

Double Dacia! And this one's perhaps even better value, because the Jogger comes with seven seats as standard. So if you need a third row, you're no longer limited to a ropey old Vauxhall Zafira. For this money you'll be most likely looking at the Essential trim, which gets parking sensors, cruise control, air conditioning and a handy phone holder so you can choose the chooooons. And, if you've got kids, the Jogger's no-nonsense interior will shrug off mud, sticky food and kicking feet without an issue.

Shop used Dacia Jogger cars for sale or read our Dacia Jogger review

Kia XCeed

• Promises to be a delight to own
• Trendy SUV-lite bodywork is completely different to the regular Ceed
• Long warranty

A slightly raised, SUV-like version of the normal Ceed hatchback, the XCeed is similarly practical and similarly affordable. Its styling makes it stand out more than the standard Ceed, while the interior is just as logical. Throw in an easy driving experience, a strong reputation for reliability and the remainder of a seven-year warranty if anything goes wrong, and it’s easy to see why many XCeed drivers feel they made the right choice.

Shop used Kia XCeed cars for sale or read our Kia XCeed review

Skoda Kamiq

• A very well sorted small SUV
• Feels very roomy inside
• Thoroughly competent driving experience

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 

SEAT Arona

• Shares parts with the Kamiq
• Easy to park but practical
• Ibiza and Leon hatchbacks also available within budget

SEAT’s chunky looking Arona small SUV is a great all-rounder. It’s really practical, has lots of headroom and has plenty of standard equipment to enjoy. All Aronas get a crisp touchscreen with all the features you’d hope for, while higher spec cars get luxuries like LED headlights. Facelift examples with a newer infotainment system are available for under £200 per month. The Arona is one of the more affordable small SUVs, and its frugal 1.0-litre engine keeps running costs down once you’ve driven away from the store.

Shop used SEAT Arona cars for sale or read our SEAT Arona review

Skoda Scala

• Easy, undramatic driving
• Roomier than main rivals
• Economical petrol engines

The Skoda Scala is the company's answer to the Volkswagen Golf, but it's more than just a cut-price alternative. This surprisingly spacious family car has enough room to convince wriggling kids into their car seats, and just about enough boot space for a pushchair or a week's holiday gear. The cabin is subtle but has details like patterned upholstery and posh metal door handles to lift the atmosphere. On the road, the Scala is calm and fuss free. Your budget buys a relatively recent model with our preferred 1.0-litre TSI petrol engine, as well as the optional quick-shifting DSG automatic gearbox, which suits the car's chilled character.

Shop used Skoda Scala cars for sale or read our Skoda Scala review

Suzuki S-Cross

• Dependable and durable
• Up to 53mpg fuel economy
• Heated seats, reversing camera and adaptive cruise control all standard

Blurring the lines between small and midsize SUVs, the Suzuki S-Cross provides enough space for family life without taking up a whole postcode. Suzuki has ensured the S-Cross' interior is functional, logical and durable – it's easy to use and easy to keep clean. Our preferred 1.4 'Boosterjet' mild-hybrid petrol engine is punchy enough and capable of returning over 50mpg. Finally, there's the balance of Suzuki's 10-year service-activated warranty to fall back on.

Shop used Suzuki S-Cross cars for sale

MG5

• Proven reliability
• Very cheap to run if you can charge at home
• Comfortable and laidback

The MG5 is a supremely sensible and easy-going car with plenty of space inside. As one of the earliest electric estates on sale, it impresses with a large 464-litre boot and generous room for passengers. The bigger 61kWh battery promises up to 250 miles between charges, and the instantaneous power means the MG5 gets up to speed swiftly and silently. It's proved reliable, too – there are plenty of used examples around with more than 100,000 miles on the clock.

Shop used MG5 cars for sale or read our MG5 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.