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Best cars for less than £400 per month

A new car doesn't have to break the bank, and we've got great PCP deals on cars for less than £400 per month

Words ByDarren Moss

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Best car deals for less than £400 per month

These days, the vast majority of new car purchases are made on Personal Contract Purchase (PCP) deals. This type of financing is great for drivers, because it allows you to buy a new car which you might otherwise have been unable to afford.

A monthly budget of £400 for a new car is acheivable for many of us, and the good news is that for that price you can drive some of the best new cars on the market.

Here, we've picked our top 10 new cars to buy for £400 per month or less. This list has been compiled our Target Price research, which shows you the most you should pay for a new car. Each of these deals is based on 15% of the value of the car, combined with the manufacturer's finance discount contribution (if there is one). All deals are for three years, with an annual mileage limit of 30,000 miles.

If you find one you like, simply click on the relevant link to find out more. Or alternatively, call us on 03302 216207 and we will be happy to help.

10. BMW X1 sDrive 18d SE 5dr

Target price cost per month: £397 Target price (on the road): £26,739 The deal: 3 years PCP finance with 5.9% APR

The original BMW X1 was one of the very first premium small SUVs, and this latest version remains one of the best on the market. This two-wheel drive sDrive version saves you money over the more expensive four-wheel drive xDrive models, and the diesel engine is responsive from low revs with plenty of pulling power.

Read our full BMW X1 review

Find a great BMW X1 deal


9. Jaguar XF 2.0d 180 R-Sport 4dr Auto

Target price cost per month: £375 Target price (on the road): £31,577 The deal: 3 years PCP finance with 4.9% APR and a finance contribution of £2395

Jaguar's mid-size executive saloon competes with rivals including the BMW 5 Series and Mercedes-Benz E-Class, and while both of those cars are arguably nicer inside, the XF is still fun to drive. It's well equipped, too, and this R-Sport model gets you more aggressive styling, front parking sensors and larger alloy wheels.

Read our full Jaguar XF review review

Find a great Jaguar XF deal


8. Audi Q2 1.4 TFSI Sport 5dr

Target price cost per month: £316 Target price (on the road): £23,827 The deal: 3 years PCP finance with 5.5% APR

The Q2 is Audi's smallest SUV model, and has charmed plenty of buyers in the SUV market. It's desirable and offers a classy interior with plenty of modern technology. It's also good to drive, and its resale values should be strong compared with those of its key rivals. Just bear in mind that class favourites such as the Nissan Juke and Mini Countryman are cheaper to buy.

Read our full Audi Q2 review

Find a great Audi Q2 deal

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