Best cars for less than £200 per month

Fancy a new small car, family hatchback or even an SUV? Any of them can be yours for £200 per month – or less if you buy on a PCP finance deal using our free New Car Buying service...

Best cars for less than £200 per month

Skoda Kamiq 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 thanks to our Target Price discounts, there are some cracking deals to be had on new 21-plate cars.

Here, we name the best cars you can buy for less than £200 per month on a PCP finance deal. 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 by following the links alongside each car.

10. Dacia Duster

Dacia Duster 2021 RHD front right tracking

Model 1.3 TCe Comfort | Target PCP £191 per month | Target Price (on the road) £15,641 | The deal four years PCP finance with 6.9% APR and £500 finance deposit contribution. Limit of 8000 miles per year

The fact that you can get a car as spacious as the latest Dacia Duster on your driveway for less than £200 per month shows why PCP deals are so popular among UK car buyers. As well as being spacious, though, the Duster is also seriously cheap to run and is even decently peppy with our recommended 1.3-litre petrol engine under the bonnet. There are shortcomings, though, because the Duster's interior feels cheap and you don't get a lot of kit on lower trims.

Save money on a new Dacia Duster with What Car?, or read our full review

9. Hyundai i10

Hyundai i10 front tracking - 69 plate

Model 1.2 MPi SE Connect | Target PCP £157 per month | Target Price (on the road) £13,499 | The deal four years PCP finance with 4.6% APR and £500 finance deposit contribution. Limit of 8000 miles per year

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, and comes with luxuries including an 8.0in touchscreen infotainment system, a reversing camera and 15in alloy wheels.

Save money on a new Hyundai i10 with What Car?, or read our full review

8. Mini hatchback 3dr

Mini hatchback 3dr

Model 1.5 One Classic | Target PCP £189 per month | Target Price (on the road) £16,305 | The deal four years PCP finance with 4.9% APR. Limit of 8000 miles per year

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 One model is powered by a 101bhp 1.5-litre petrol engine which needs to be worked hard to perform at its best, while Classic trim gets you heated wing mirrors, ambient lighting and keyless start.

Save money on a new Mini hatchback with What Car?, or read our full review

7. Ford Fiesta

Ford Fiesta

Model 1.0 Ecoboost 125 ST-Line Edition 5dr| Target PCP £182 per month | Target Price (on the road) £17,741 | The deal four years PCP finance with 1.2% APR and £1000 finance deposit contribution. Limit of 9000 miles per year

There are good reasons why you'll see so many Ford Fiestas on UK roads – 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 that this is one the best small cars around. In fact, we named the Fiesta as the best small car to drive at the most recent What Car? Awards. This version comes with stiffer sports suspension and a muscular body kit, as well as 17in alloy wheels.

Save money on a new Ford Fiesta with What Car?, or read our full review

6. Volkswagen T-Cross

Volkswagen T-Cross front

Model 1.0 TSI SE| Target PCP £199 per month | Target Price (on the road) £17,946 | The deal four years PCP finance with 4.9% APR and £1250 finance deposit contribution. Limit of 10,000 miles per year

The T-Cross is a fine small SUV which offers plenty of space and an engaging driving style. Our recommended 1.0-litre petrol engine is pleasantly peppy and represents good value for money too. SE trim builds upon the specification of entry-level T-Cross models by adding automatic wipers and a leather-wrapped steering wheel and gear knob, which helps to lift the otherwise drab interior. If you'd rather have something more spacious, the larger Volkswagen T-Roc won't cost you much more.

Save money on a new Volkswagen T-Cross with What Car?, or read our full review

5. Toyota Yaris

Toyota Yaris 2021 front

Model 1.5 Hybrid Icon | Target PCP £189 per month | Target Price (on the road) £19,197 | The deal 42 months' PCP finance with 0% APR. Limit of 8000 miles per year

The latest Yaris feels right at home on city streets, with decent handling and enough power to zip you along urban roads with ease. What really sets it apart from the competition, though, is that it is also a hybrid, and therefore comes with the promise of significantly reduced fuel bills. In fact, we gave this Yaris our True MPG Award at the most recent What Car? Awards, since it's the most efficient car to ever go through our real-world fuel economy tests.

Save money on a new Toyota Yaris with What Car?, or read our full review

4. Skoda Octavia

Skoda Octavia hatchback 2020 front left tracking

Model 1.0 TSI SE | Target PCP £185 per month | Target Price (on the road) £17,650 | The deal Four years PCP finance with 4.1% APR and £2000 finance deposit contribution. Limit of 10,000 miles per year

If you're looking for a car that's as spacious as the Starship Enterprise, the Octavia is just for you. It can accommodate more luggage than any other family car, yet also offers a plush ride and has plenty of room for rear-seat passengers to stretch out. This version comes with a 1.0-litre petrol engine and plenty of kit, since dual-zone climate control, keyless start and a 10in touchscreen infotainment system all come as standard on SE models.

Save money on a new Skoda Octavia with What Car?, or read our full review

3. Skoda Scala

Skoda Scala front - red

Model 1.0 TSI SE | Target PCP £184 per month | Target Price (on the road) £15,762 | The deal Four years PCP finance with 4.9% APR and £2250 finance deposit contribution. Limit of 10,000 miles per year

We named the Skoda Scala as the Best Family Car for Value at the most recent What Car? Awards because, quite simply, no other model in this class gives you such a well-rounded car for so little money. This version comes with a 94bhp 1.0-litre petrol engine which is well suited to driving around town but can feel a little gutless on faster roads. SE trim adds lots of clever features such as a parking ticket holder on the windscreen and an umbrella tucked away inside the front door to the Scala's already generous standard kit.

Save money on a new Skoda Scala with What Car?, or read our full review

2. Skoda Kamiq

Skoda Kamiq front cornering - red 69-plate car

Model 1.0 TSI 95 SE | Target PCP £179 per month | Target Price (on the road) £17,145 | The deal Four years PCP finance with 4.9% APR and £1750 finance deposit contribution. Limit of 10,000 miles per year

The Kamiq is a fantastic small SUV. It is 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. The 1.0-litre petrol engine you get here only has modest power, but it's still perfectly fine for most situations.

Save money on a new Skoda Kamiq with What Car?, or read our full review

1. Seat Leon

Seat Leon PHEV long termer

Model 1.0 TSI SE Dynamic | Target PCP £191 per month | Target Price (on the road) £17,830 | The deal Four years PCP finance with 4.9% APR and £1500 finance deposit contribution. Limit of 10,000 miles per year

It should be no surprise that the Seat Leon tops this list – after all, it is our reigning Family Car of the Year. Why do we rate it so highly? Well, as well as being great to drive and offering loads of space for your family and all of their luggage, it also comes with lots of kit. This SE Dynamic version gets you an upgraded infotainment system as well as 17in alloy wheels and tinted rear windows. The 1.0-litre petrol engine you get here pulls well from low revs, too, and doesn't struggle to keep up with traffic on faster roads.

Save money on a new Seat Leon with What Car?, or read our full review

For all the latest reviews, advice and new car deals, sign up to the What Car? newsletter here

Next: Save money on your next car with What Car? >>

Related cars

Volkswagen T-Roc

2017 - present

Comfortable ride, and the cheaper versions make a lot of...

Spinner