A £250 per month budget gets you a lot of fantastic used cars on PCP finance. Which will you pick?
This feels like a real sweet spot for used cars. Spending £250 per month (or less!) on a car usually gets you into a current-shape model that might only be a couple of years old, but for considerably less than the same car if it’d just rolled out of the factory.
So you get the latest tech, a plate that’s not very old and, often, the balance of the manufacturer’s warranty. And a wide choice – our list includes class-leading hatchbacks, small and midsize SUVs, and even posh picks and hot hatches.
For even more choice, browse our range of used cars under £250 per month here.
Skoda Octavia
The Skoda Octavia is a rational, measured car – what it lacks in white-knuckle excitement, it makes up for with reassuring competence. It’s comfortable, quiet, economical and sort of fun to drive, while its smart interior manages to blend hardwearing materials with premium touches to good effect.
The Octavia is based on the Volkswagen Golf and shares a lot of its qualities, but the Skoda has a much bigger boot – over 50% bigger, in fact – and costs less to buy. How can your sensible head resist?
Shop used Skoda Octavia cars for sale or read our Skoda Octavia review
Audi A3
Sure, you can get a Volkswagen Golf for under £250 per month, but why not treat yourself to the posher version? The Audi A3 has plusher materials and tech that both looks more impressive and is more usable than the Golf, while practicality and the engine choices are largely the same.
A £250 maximum spend buys you an A3 that’s only a couple of years old and in the popular S Line trim, or the plug-in hybrid A3 with its 40-mile electric range if you’re happy with the Sport trim. Sport doesn’t have the glitz of S Line, but it has all the tech of the higher-spec car.
Shop used Audi A3 cars for sale or read our Audi A3 review
Peugeot 2008
One of the best all-round small SUVs is also arguably one of the best looking. The Peugeot 2008 has a list of talents as long as your arm – it has economical yet punchy engines, nimble handling, high-end interior materials, spacious rear seats and a big boot. Not to mention eye-catching looks.
Your budget lets you pick the trim level, engine and perhaps even the colour you want – a low-mileage two-year-old 2008 in GT trim with the 130hp petrol engine, or you could pick a diesel engine if you’re a high-mileage driver. The electric e-2008 also comes in under budget, and is an ideal way to dip your toe into fully electric motoring.
Shop used Peugeot 2008 cars for sale or read our Peugeot 2008 review
Kia Sportage
It might have been replaced by a brand-new model now, but the last-shape Kia Sportage is still an excellent buy if you’re looking for a family-size SUV under £250 a month. With the balance of a seven-year warranty, a three-year-old Sportage still has more coverage than a brand-new Mercedes – although Kia’s reliability means you might never need it. The Sportage gets heated seats and smartphone connectivity as standard, as well as acres of passenger space and a big boot.
Shop used Kia Sportage cars for sale
Ford Puma
Ford has hit a home run with the Puma, its Fiesta-based small SUV. One of the UK’s best-selling new cars, the Puma offers more practicality than the Fiesta – including a waterproof MegaBox storage zone in the boot – but still the same sharp driving experience we’ve come to expect
Every Puma comes with a 1.0-litre petrol engine that’s good for over 50mpg, yet is pretty sprightly off the line too. You’ve got the pick of the trim levels for your budget – most come in sporty ST-Line flavour but there are several different options, like the ST-Line X with its extra kit or ST-Line Vignale with its chrome detailing.
Shop used Ford Puma cars for sale or read our Ford Puma review
Skoda Karoq
Vanilla is the best flavour of ice cream, and the Skoda Karoq – while a bit bland-looking at first – is one of the, er, tastiest SUVs. Its handsome, well-proportioned bodywork hides a smart and considered dashboard, featuring a blend of materials that strike a good balance between plushness and durability. The Karoq offers a huge amount of interior space and excellent versatility, but it’s also good to drive and comfortable.
It’s one of our favourite family haulers, and you can spend considerably less than £250 per month to get behind the wheel of one. You can even buy a Karoq with the zippy 1.0-litre petrol engine and in a decently equipped trim level for under £200 per month. SE L trim adds lots of bells and whistles and still comes under budget.
Shop used Skoda Karoq cars for sale or read our Skoda Karoq review
Mazda CX-30
Just like the Volkswagen T-Roc, the Mazda CX-30 straddles the line between small and midsize SUVs, and both are similarly good value on the second-hand market. So your choice might depend on which car’s styling you prefer, or which you find easiest to use. The Mazda is more curvaceous where the T-Roc is chiselled and square.
The Mazda has the slight edge when it comes to material quality, but you might find its infotainment screen – controlled by a rotary dial – a little unusual to use, compared to the more conventional touchscreen fitted in the T-Roc. Fuel economy and performance are largely the same, even if the two cars go about it in very different ways.
Shop used Mazda CX-30 cars and used Volkswagen T-Roc cars for sale, or read our T-Roc review
Toyota C-HR
Familiarity might’ve softened the boldness of the C-HR’s styling a little, but if you buy one you’ll notice new styling flicks every time you go up to it.
Come for the alien spaceship styling, stay for the frugal hybrid engines. The C-HR shares its 1.8-litre and 2.0-litre engines with the Corolla, and the smaller of the two lumps can return almost 60mpg when driven gently. Keep at a restrained pace and it’s impressively quiet, too.
Shop used Toyota C-HR cars for sale or read our Toyota C-HR review
Mini Countryman
As the biggest car the brand makes, the Mini Countryman offers all the charm and poshness of a Mini Hatchback but with family-friendly practicality and a more confident driving position. And, it packs a lot of room into its footprint, which isn’t huge by SUV standards. At this budget you’ll mostly find 1.5-litre Cooper models, but that’s no bad thing as this engine is more than quick enough to power the Countryman, and it’ll crack 40mpg or more, too. You might be surprised to notice that the Countryman still offers most of the ‘go-kart feel’ that’s a key selling point of the standard Mini hatch.
Shop used Mini Countryman cars for sale or read our Mini Countryman review
Volkswagen ID.3
Spending under £250 per month on a Volkswagen ID.3 seems really good value to us. The ID.3 is essentially Volkswagen’s electric Golf – the car that takes on the challenge of converting VW drivers to battery power. Look for the 58kWh battery and ‘Pro Performance’ motor which, together, give a range of about 250 miles and acceleration that almost matches the Golf GTI hot hatch, and a delightfully smooth driving experience. It feels really spacious inside, thanks to a long wheelbase and an open, expansive dashboard. But it’s still packed full of equipment, including heated seats and climate control.
Shop used Volkswagen ID.3 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 £200 per month
- 10 of the best cars for under £300 per month
Affordable finance on used cars
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