Best cars for less than £200 per month

Fancy a new small car, family hatchback or even an SUV? All can be yours for £200 per month or less if you buy on a PCP finance offer. Here are our top 10 picks...

These days, the vast majority of new cars are bought through PCP finance offers, and it's easy to see why.

Volkswagen T-Roc with Target Price logo

For less than £200 a month, you can have some of the best cars on sale today, whether you're looking for a small hatchback, a family car or even an SUV. And as the UK slowly gets back on the road, they're some cracking deals out there to be had.

Here, we count down the top 10 deals from our Target Price research, which reveals the most you should pay for a new car. Each deal is based on a deposit of 15% of the value of the car, combined with the manufacturer's finance discount allowance. You'll see how long each contract is for, and how many miles you're allowed to do. 

If you find one you like, simply contact us through our New Car Buying service.

10. Dacia Duster 1.3 TCe 130 Comfort

Dacia Duster 2020 RHD front right tracking

There's a lot more to the Duster than just a low price. For a start, it's spacious inside, making it a practical choice, and secondly, this Comfort version isn't as spartan inside as you might imagine. It gets a touchscreen infotainment system, for starters, but also includes extra touches to jazz up the interior and exterior a little.

Follow on to the next slide to find out what the offer is >>

Dacia Duster 1.3 TCe 130 Comfort (Cont.)

Dacia Duster interior

Target Price cost per month £172 

Target Price £14,469 

The deal 48 months' PCP finance with 6.9% APR and £500 finance deposit allowance. Limit of 8000 miles per year

9. Mini hatchback 1.5 Cooper Classic II 3dr [Comfort Pack]

Mini 3dr

The Mini hatchback is consistently one of the best-selling new cars in the UK, and we like its low running costs and strong resale values. It's great to drive, although not as practical as some rival small cars. This Cooper variant gets you a peppy 1.5-litre petrol engine and also includes Mini's Comfort Pack, which brings heated front seats, rear parking sensors and climate control.

Follow on to the next slide to find out what the offer is >>

Mini hatchback 1.5 Cooper Classic II 3dr [Comfort Pack] (Cont.)

Mini 3dr - interior

Target Price cost per month £193 

Target Price £16,577 

The deal 48 months' PCP finance with 3.9% APR. Limit of 8000 miles per year

8. Volkswagen T-Roc 1.0 TSI S

Volkswagen T-Roc driving

Volkswagen was quite late to the small SUV party, but its T-Roc is an excellent choice if you want a smaller SUV that has a premium interior. It's also spacious by the standards of this class and has a comfortable ride. The 1.0-litre petrol engine you get here is our recommended choice, while even the cheapest S trim gets you dual-zone climate control, electric windows and 16in alloy wheels.

Follow on to the next slide to find out what the offer is >>

Volkswagen T-Roc 1.0 TSI S (Cont.)

Volkswagen T-Roc interior

Target Price cost per month £198 

Target Price £18,759 

The deal 48 months' PCP finance with 4.9% APR and £1250 finance deposit allowance. Limit of 10,000 miles per year

7. Ford Fiesta 1.0 Ecoboost 125 ST-Line Edition 5dr

Used Ford Fiesta long-term test review

The Ford Fiesta is consistently among the best-selling new car in the UK, and it's easy to see why. The vast model range ensures there's a version to suit everyone, and, while some rivals beat it on practicality, its great driving manners and generous safety kit ensure the Fiesta is one the best small cars around. This is our recommended version, too.

Follow on to the next slide to find out what the offer is >>

Ford Fiesta 1.0 Ecoboost 125 ST-Line Edition 5dr (Cont.)

2019 ford fiesta trend interior

Target Price cost per month £189 

Target Price £17,693 

The deal 48 months' PCP finance with 1.2% APR and £1000 finance deposit allowance. Limit of 9000 miles per year

6. Seat Ibiza 1.0 TSI 95 FR

Seat Ibiza front - 19 plate

While it's the Volkswagen Polo that rules the roost when it comes to small cars, the Seat Ibiza joins it in receiving our top five-star rating. It's great to drive, too, as well as being remarkably spacious. The 1.0-litre petrol engine you get here is our recommended choice, and it pulls eagerly from low revs. FR trim gets you more aggressive looks, sports seats, a DAB radio and cruise control.

Follow on to the next slide to find out what the offer is >>

Seat Ibiza 1.0 TSI 95 FR (Cont.)

Seat Ibiza - interior

Target Price cost per month £174 

Target Price £15,289 

The deal 48 months' PCP finance with 5.9% APR and £1750 finance deposit allowance. Limit of 8000 miles per year

5. Audi A3 Sportback 35 TFSI Sport [Tech Pack]

Audi A3 cornering front three quarters

There's a brand new Audi A3 about to go on sale, but that means deals on the outgoing car are as good as they're ever going to get. And what a car the A3 is: good to drive, spacious and comfy and loaded with kit in Sport trim. It's a former What Car? Car of the Year, and despite being significantly older than rivals, is still among our favourite family hatchbacks.

Follow on to the next slide to find out what the offer is >>

Audi A3 Sportback 35 TFSI Sport [Tech Pack] (Cont.)

Audi A3 30 TFSI S line S tronic [Tech Pack] - interior

Target Price cost per month £187 

Target Price £17,146 

The deal 48 months' PCP finance with 4.9% APR and £500 finance deposit allowance. Limit of 8000 miles per year

4. Skoda Kamiq 1.0 TSI 95 SE

Skoda Kamiq front cornering - red 69-plate car

The Kamiq is a fantastic small SUV. It's remarkably roomy inside for both passengers and luggage, has a comfortable ride and has a better-finished interior than many rivals. It doesn't place you as high up from the road as some SUVs, but it should still be near the top of any new car shortlist.

Follow on to the next slide to find out what the offer is >>

Skoda Kamiq 1.0 TSI 95 SE

Skoda Kamiq interior

Target Price cost per month £176 

Target Price £16,653 

The deal 48 months' PCP finance with 5.9% APR and £1750 finance deposit allowance. Limit of 8000 miles per year

3. Hyundai i10 1.2 MPi SE Connect

Hyundai i10 front tracking - 69 plate

Not so long ago, the Hyundai i10 played second fiddle to the rival Kia Picanto city car market. Now, however, the tables have turned, and it's the i10 that's our top choice, thanks to its comfortable and quiet driving manners, decent space and the fact that it comes with loads of safety kit as standard. This is our recommended version, too.

Follow on to the next slide to find out what the offer is >>

Hyundai i10 1.2 MPi SE Connect (Cont.)

Hyundai i10 dashboard - 69-plate car

Target Price cost per month £185 

Target Price £14,132 

The deal 48 months' PCP finance with 4.9% APR. Limit of 8000 miles per year

2. Volkswagen Polo 1.0 TSI 95 Match

Volkswagen Polo

The Polo is the best small car you can buy right now, offering a superb interior that's surprisingly spacious, a peppy range of engines and impressive refinement. Match trim is the one we'd go for because it adds an upgraded infotainment system and parking aids to help you avoid any embarrassing scrapes. The fact that you can have all of this for significantly less than £200 per month shows why PCP deals are so popular.

Follow on to the next slide to find out what the offer is >>

Volkswagen Polo 1.0 TSI 95 Match (Cont.)

Volkswagen Polo interior

Target Price cost per month £185 

Target Price £15,577 

The deal 48 months' PCP finance with 4.9% APR and £1250 finance deposit allowance. Limit of 10,000 miles per year

Next: find out what our favourite car for less than £200 per month is >>

1. Skoda Scala 1.0 TSI SE

Skoda Scala front - red

The Scala is our favourite family car, having clinched the title from its sibling, the Octavia, at the most recent What Car? Awards. What makes the Scala our top pick? Well, it represents superb value for money, has tremendous space inside and has tidy handling with a comfortable ride – hardly surprising, since it's similar underneath to the Volkswagen Golf. The version you get with this deal is our recommended trim level, too; it's the best car you can buy for less than £200 per month. A financial contribution of more than £2000 only sweetens the deal.

Follow on to the next slide to find out what the offer is >>

Skoda Scala 1.0 TSI SE (Cont.)

Skoda Scala interior

Target Price cost per month £185 

Target Price £15,427 

The deal 48 months' PCP finance with 5.9% APR and £2250 finance deposit allowance. Limit of 10,000 miles per year

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