Best used cars for under £200 per month

You can find some great finance deals on used cars from less than £200 per month, with a choice of family cars including SUVs and saloons

BuyaCar team
Aug 12, 2022

A budget of £200 per month is enough for you to consider purchasing a decent set of wheels, even in recent times when everything seems to have become very expensive, and even a couple of hundred pounds added to your deposit could get you behind the wheel of something really desirable.

If you're looking for new cars at this price point, you'll be restricted to the most basic versions of smaller and cheaper models (after a fairly hefty deposit). Some of these will lack high-tech features such as up-to-date media systems and smartphone connectivity. Take a look at used cars, however, and it's a different story, as you can afford larger and better-equipped models.

Going second-hand gives you the option of more upmarket cars, bigger and better engines and higher-specification trim levels, getting you more kit for your budget, which is good news whether you're looking for something comfy and luxurious, sporty and fun to drive or simply a good all-rounder.

Yes, you won't be the first owner, however low-mileage and well-maintained used cars are often barely distinguishable from new models and can represent excellent value for money compared to a brand new equivalent. So if value for money is important to you, going for a recent used car rather than a new one can get you a better car for your monthly budget.

We have 4604 used cars for under £200 per month on BuyaCar, and plenty of those are new enough that they will still be covered by the manufacturer warranty. Read on for our top choices, or head over to the BuyaCar search page if you're ready to take a closer look at what's on offer.

Best used cars for under £200 per month

1. Ford Fiesta

Best used car under £200 per month for driving fun

Our pick Ford Fiesta 1.0 EcoBoost Zetec
Used deals from £9,895
Monthly finance from £191*

Considering we're looking at a relatively low budget here when it comes to car prices, the fact you can get hold of a Ford Fiesta should come as a pleasant surprise. It's a small car, which helps to keep costs down, but the Fiesta is one of the best small cars you can buy.

It's available with either three or five doors, and the interior will prove comfortable enough for four adults over a relatively short journey, but it's the driver that the Fiesta is really built for. In terms of driving enjoyment, there are few other cars within this £200 per month budget that come close to this.

The 1.0-litre EcoBoost is the pick of the engine range - it's a turbocharged unit that produces plenty of power and gives the Fiesta a lively feel under acceleration. If you're keen for better fuel economy, there's a 1.5-litre diesel available within this price range, too.


2. Renault Kadjar

Best used car under £200 per month for families

Our pick Renault Kadjar 1.2 TCe Dynamique Nav
Used deals from £9,490
Monthly finance from £162*

Underneath the Renault badge on the bonnet, you'll find that the Renault Kadjar uses the same mechanical parts as the popular Nissan Qashqai. The Renault offers a larger boot than the Qashqai, though, and a higher-quality interior.

The particular model we've picked here is the Dynamique Nav trim that comes with a seven-inch touchscreen media system with Tom-Tom sat-nav as standard, 17-inch alloy wheels and a whole load of additional kit including air-conditioning, cruise control, a digital radio and Bluetooth connectivity.

As a crossover, the Kadjar is taller than a standard hatchback, bringing a higher driving position and making it easier to strap children into the back seats. You can choose from these well-equipped Dynamique Nav models with either petrol or diesel engines for under £200 per month.


3. Mercedes A-Class

Best used car under £200 per month for Mercedes style

Our pick Mercedes A200d AMG Line
Used deals from £13,900
Monthly finance from £213*

Despite a newer Mercedes A-Class being available, demand for the earlier model is still strong, and prices have dropped considerably, making these more accessible. This helps to keep finance costs low.

The A-Class is intended to give you a sporty driving experience, but the aggressively stiff ride on models with the largest wheels will not be for everyone. It has an artificial leather interior, an eight-inch media system and climate control though, which help to make the car feel like a more upmarket machine, and there's Android Auto and Apple CarPlay available as well.

We've gone for models with AMG Line trim, which adds to the sporty nature of the A-Class with an additional body kit, lowered suspension and 18-inch alloy wheels. You'll typically find diesel versions of this car for under £200 per month, but these are still a good choice - especially for those who cover a high annual mileage.


4. BMW 3 Series

Best used car under £200 per month for all-round appeal

Our pick BMW 320d M Sport
Used deals from £13,900
Monthly finance from £227*

If you want a little luxury and prestige for your £200 per month, then you may want to set your sights on an upmarket machine like the BMW 3 Series saloon. Alternative options here include the Audi A4, Mercedes C-Class and Lexus IS, but the best bet in this price bracket is the BMW 3 Series. It’s the best to drive and there are plenty to choose from.

Both petrol and diesel models are available within this budget, but it's hard to overlook the efficient, smooth and quiet 320d diesel. In particular, we've gone for 3 Series models in M Sport spec, which comes with a huge list of equipment additions, but also adds a bodykit for a sportier look, 18-inch alloy wheels and stiffer suspension for a sharper drive to match the looks.

new 3 Series arrived in the UK in 2019, meaning that deals on these older models are particularly good, making them a great choice for those on a budget.


5. Mazda 6

Best used car under £200 per month for standard equipment

Our pick Mazda 6 2.2d Sport Nav
Used deals from £12,000
Monthly finance from £262*

The Mazda 6 adds a dash of style to the large family saloon format - a type of car not generally known for glamour. But the Mazda doesn’t forget the job of being a practical jack-of-all-trades either. It’s spacious, economical - with particularly frugal, smooth and powerful diesel engines - and has a reputation for good reliability, so it remains an excellent choice.

Within this budget you can go for a top-of-the-range Sport Nav model, which will give you a plethora of kit that you would normally have to pay extra for, including climate control, tinted windows, 19-inch alloy wheels, a reversing camera and a head-up display, which beams driving information onto the windscreen in front of the drive.

The best thing about the Mazda 6 is that it doesn't matter whether you're most interested in style, comfort, an enjoyable drive, getting lots of kit for the money or fuel economy - it's very good in all of these areas. And if the 6 saloon isn't practical enough for you, there's always the 6 Tourer estate, which has a bigger and more usable boot.


6. Peugeot 308 SW

Best used car under £200 per month for load space

Our pick Peugeot 308 SW 1.2 PureTech Allure
Used deals from £8,595
Monthly finance from £213*

The cavernous 660-litre load area of the Peugeot 308 SW is the biggest you can find in a car of this size, although this does come at a cost to rear passenger comfort (it's not the car for carrying particularly tall adults in the back). The minimalist dashboard looks high-tech, thanks to a central media screen that keeps buttons to a minimum on all but entry-level Access models.

Within this price range, we've found 308 SW examples in GT Line spec, which adds a few sporty styling touches on the outside such as twin-exhaust pipes, 18-inch alloy wheels and LED headlights, while you also gain a reversing camera and fancy red stiching inside. A car with this much tech is hard to come by at such a modest price - especially one that offers so much boot space. High-spec Allure is fairly common on this budget, too, which is well equipped if not a bit more understated.


7. Vauxhall Mokka X

Best used car under £200 per month for nearly new savings

Our pick Vauxhall Mokka X 1.4T Elite
Used deals from £10,295
Monthly finance from £206*

No matter what type of car you're looking to get for under £200 per month, there's almost certainly a Vauxhall that fits the bill, whether it's a seven-seat Zafira Tourer, a big Insignia estate, a sporty Astra GTC hatchback, or even a Cascada convertible.

Unfortunately for Vauxhall, having its badge on a car seems to spell a large loss of value as soon as it's driven away by its first owner, even though the current range is generally pretty good. While that's bad for the first owner, it's fantastic news if you want to get a great car for a low cost, with these big price reductions resulting in cheap finance deals.

That's why you can find top-value deals on the Vauxhall Mokka X and you'll even be able to help yourself to the top-of-the-range Elite Nav models, which come with a whole host of standard kit to make the prospect of driving one much more enticing.


8. BMW 2 Series Coupe

Best used car under £200 per month for performance

Our pick BMW 220i Coupe M Sport
Used deals from £11,495
Monthly finance from £236*

The BMW 2 Series Coupe sits comfortably within this £200 per month price range and not only does it look sharp, with its sleek, sporty lines, but it also backs that up with a sporty driving experience.

Even entry-level cars with the smallest engines provide a reasonable thump of acceleration, and combine comfort with sprightly handling around corners, making the car fun to drive. You'll normally find a few cars around the £200 per month mark, although prices sometimes creep over the limit by a few pounds.

Even early 218d diesel cars should meet current Euro 6 emissions standards, so you won't have to worry about low emission zone charges, which apply to most older diesel models - it's worth double-checking to make sure, though.


9. Dacia Duster

Best used car under £200 per month for value

Our pick Dacia Duster 1.2 TCe Laureate
Used deals from £9,245
Monthly finance from £166*

The Dacia Duster offers an enormous amount of car for your money, giving you a reasonably practical SUV for less than the cost of a supermini like the Ford Fiesta. Avoid the spartan entry-level Access models, as they really do offer very little in the way of equipment and you should be happy. We've gone for the Prestige models, as these offer a much more appealing amount of kit for a very affordable price.

The new version of the Duster, which went on sale in 2018 has dropped below the £200 per month threshold in many cases, with even some 2021 models available for less than this. If you can find one that suits your needs it's a wise choice, as it looks a little more modern than the previous model and the interior is a little more spacious and more stylish.

However, the differences are pretty subtle, so if you'd rather cut your monthly payments go for a pre-2018 model, as very few people would notice from the outside that you're driving the older version.


10. Honda CR-V

Best used car under £200 per month for SUV style and space

Our pick Honda CR-V 1.6 i-DTEC SE Plus
Used deals from £11,700
Monthly finance from £235*

Combining the rugged looks and high driving position of an off-roader with the practicality of an estate makes the CR-V a formidable family car. Add in high-tech safety features and a great reputation for reliability, and the CR-V becomes quite a tempting proposition.

Be careful which one you go for, though - even though this car looks like an off-roader, most models are front-wheel drive only. Therefore, if you need to get out of muddy fields or tackle other particularly slippery surfaces on a regular basis, make sure you pick one of the four-wheel drive versions.

Even with four-wheel drive the CR-V isn't a tough off-roader. Think of it as a high-rise family-friendly hatchback with a bit of extra traction in four-wheel drive form and you shouldn't be disappointed.


*Representative PCP finance - Ford Fiesta:

48 monthly payments of £192
Deposit: £0
Mileage limit: 8,000 per year
Optional final payment to buy car: £2,923
Total amount payable to buy car: £11,926
Total cost of credit: £2,426
Amount borrowed: £9,500
APR: 9.9%

BuyaCar is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.


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