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 modern 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
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
Mini Hatchback
There's more to the Mini Hatchback than its cheeky retro styling. This is a genuine junior hot hatch, with ultra-responsive steering and go-kart-like handling that begs you to flick it between tight corners. Your £200-per-month budget won't quite stretch to the 2.0-litre Cooper S engine if you're shopping for relatively recent used cars, but will still cover one of the 1.5-litre Cooper versions. With 136hp, this engine has plenty of grunt to get this lightweight city car up to speed while also returning affordable fuel bills. Alternatively, there’s the Mini Electric, which gives easy, fun driving and even lower running costs.
Shop used Mini Hatchback cars for sale or read our Mini Hatchback review
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. Typically, you’ll be able to choose lower-spec cars with low mileage or higher-spec cars with slightly higher mileage for the money.
Shop used Vauxhall Corsa cars for sale or read our Vauxhall Corsa review
SEAT Arona
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 if you can stretch the budget by £10 or £20 a month, and a newer number plate of course! 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
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
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
- 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.
