Two hundred pounds might buy you a month of phone use, a gym membership and a few streaming subscriptions.
But it's also enough to unlock lots of choice if you're financing a used car, whether you want a little city car to bimble around in or a rugged-feeling SUV for longer adventures.
Stump up a 10% deposit and you'll be able to shop lots of different models – most being only a few years old with low mileage. Here are 10 of our favourite used cars for less than £200 per month. Which do you like the look of?
Skoda Scala
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
Ford Fiesta
For years the Ford Fiesta was the UK’s best-selling car, and that means there’s plenty of choice on the used market. Whether you’re happy with entry-level versions or want the sporty ST-Line trim, you’ll find lots of Fiestas within your budget. It’s also one of the most fun small cars to drive, with an eager 1.0-litre engine, a crisp, engaging manual gearbox and sweet handling. The Fiesta also offers space for four adults and a 300-litre boot.
Shop used Ford Fiesta cars for sale or read our Ford Fiesta 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
Suzuki Ignis
The Suzuki Ignis is pint-sized but plucky, and it’s available with proper four-wheel drive so its chunky looks aren’t just for show. They make it look cool, too. The Ignis might seem as strong as a cardboard box, but it feels impressively secure and stable on the move – not to mention fun at low speeds. What’s more, there’s much more space inside than you might expect, so the Ignis is a better choice than something like a Toyota Aygo if you regularly take passengers with you.
Shop used Suzuki Ignis cars for sale or read our Suzuki Ignis 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
Citroen C3 Aircross
While the little Citroen C3 hatchback is charming, it's too small to work as a family wagon – step in the Citroen C3 Aircross. This chunky-but-cheap SUV has a longer, taller body giving substantially more interior space for only a slight increase in footprint. That means adults can sit in the second row comfortably, and you won't throw your back out trying to cram a bulky child seat into either of the rear Isofix points. Zippy petrol engines make light work of the C3 Aircross's frame and, because the C3 Aircross focuses on comfort, the soft suspension does a great job smoothing out bumps and cracks in the road before they make it to the cabin.
Shop used Citroen C3 Aircross cars for sale
SEAT Leon
Alongside the Ibiza, the bigger SEAT Leon slots in under £200 per month – and you can choose the new shape or the old shape, whichever you prefer. 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
Vauxhall Crossland
The Vauxhall Crossland is the car you should buy if a Corsa is just a little too small or a little bit low to the ground. Its taller ride height also gives you a better view of the road ahead. Inside, the Crossland benefits from a logical and easy-to-use interior, with a good mix of buttons and screens. The familiar 1.2-litre petrol engine is nippy and fairly economical, making it a good choice for any sort of driving.
Shop used Vauxhall Crossland cars for sale or read our review of its predecessor, the Vauxhall Crossland X
GWM Ora Funky Cat
A Funky Cat? Are you having me on? No, there is a car called the Ora Funky Cat – or there was, as it’s now been renamed the Ora 03. Whichever you pick, you’ll be feline fine in a Funky Cat, with an interior that’s modern and minimalist, but luxurious too – certainly more luxurious than a more conventional supermini. Designed by the same person who penned the Porsche 911, the Funky Cat is fully electric and approaches 200 miles on a full charge.
Shop used Ora Funky Cat cars for sale
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
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.
