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
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
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
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
Honda Jazz
The Honda Jazz is the cleverest supermini – and one that’s easy to overlook. But push yourself to try one and you’ll find lots of plus points. We could talk about the crystal-clear infotainment system, the flip-up rear seats for maximum versatility, the supreme all-round visibility, the easy driving experience or the promise of 62mpg. Well, that’s a pretty comprehensive list of reasons to buy one, right?
Shop used Honda Jazz cars for sale or read our Honda Jazz 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
Mazda MX-30
The Mazda MX-30 won’t suit everyone. But if you’re not going to be using the back seats on a daily basis, and can live with the 124-mile range, then Mazda’s first EV is an interesting and left-field option. It looks unique, has a smart and plush interior, and doesn’t take long to charge. What’s more, it costs very little to buy as a used car – so it could be a perfect second car – and a full charge costs barely more than a cone of chips.
Shop used Mazda MX-30 cars for sale or read our Mazda MX-30 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
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.
