Best cars for less than £250 per month

By buying your next car using a PCP finance deal, you could end up driving something that you wouldn't otherwise be able to afford. These are our top 10 cars available for less than £250 per mont...

These days, most new car purchases are made using a finance deal, and the most popular way of financing a car is through a personal contract purchase, or PCP.

£250 a month cars

These deals are easy to find, and because you're only financing part of the car's value, you can drive away something that would otherwise be out of your budget.

Indeed, for £250 per month, you can get city cars, family cars, estate cars and even SUVs.

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 15% of the value of the car, combined with the manufacturer's finance discount allowance. All are for three years, with a limit of 10,000 miles per year.

Editors' note: Images used are purely illustrative and do not necessarily reflect mentioned trim levels.

10: Ford Focus 1.0 Ecoboost 125 Zetec Nav

Ford Focus 1.0 Ecoboost 125 Zetec Nav

Target Price cost per month: £216

Target Price (on the road): £18,934

The deal: 3 years PCP finance with 0% APR

The latest Focus stands out as the best family hatchback to drive, offering a supple ride and sweet, accurate steering.

10: Ford Focus 1.0 Ecoboost 125 Zetec Nav - interior

Ford Focus 1.0 Ecoboost 125 Zetec Nav - interior

It's roomy inside, too. This 1.0-litre Ecoboost petrol engine should give you plenty of punch while keeping running costs sensible.

9: Mazda 6 Tourer 2.0 SE-L Lux Nav+

Mazda 6 Tourer 2.0 SE-L Lux Nav+

Target Price cost per month: £224

Target Price (on the road): £20,916

The deal: 3 years PCP finance with 4.1% APR and £4500 finance deposit allowance

This stylish family estate offers good fuel economy, lots of space and a decent infotainment system, and our recommended SE-L Lux Nav+ models come with climate and cruise control, front and rear parking sensors and 17in alloy wheels.

9: Mazda 6 Tourer 2.0 SE-L Lux Nav+ - interior

Mazda 6 Tourer 2.0 SE-L Lux Nav+ - interior

The fact that you can get all this for less than £250 per month shows why PCP deals are so popular.

8: Volkswagen Golf 1.6 TDI Match 5dr

Volkswagen Golf 1.6 TDI Match 5dr

Target Price cost per month: £228

Target Price (on the road): £18,780

The deal: 3 years PCP finance with 2.5% APR and £2500 finance deposit allowance

For many, the Golf is the de facto family hatchback, and it remains one of our favourites.

8: Volkswagen Golf 1.6 TDI Match 5dr - interior

Volkswagen Golf 1.6 TDI Match 5dr - interior

You get plenty of kit as standard, and with so many models to choose from, you're bound to find one that suits you. This deal gets you a 1.6-litre diesel engine which will be perfect if you cover lots of motorway miles.

7: Suzuki Ignis 1.2 Dualjet SHVS SZ5

Suzuki Ignis 1.2 Dualjet SHVS SZ5

Target Price cost per month: £203

Target Price (on the road): £13,651

The deal: 3 years PCP finance with 6.9% APR

Don't be fooled by the Ignis's small size – this is one seriously impressive SUV.

7: Suzuki Ignis 1.2 Dualjet SHVS SZ5 - interior

Suzuki Ignis 1.2 Dualjet SHVS SZ5 - interior

It's deceptively spacious, offers a generous amount of equipment and is very cheap to buy and run. Indeed, the Ignis is the most frugal car we've ever put through our True MPG test.

6: Audi A1 30 TFSI SE

Audi A1 30 TFSI SE

Target Price cost per month: £231

Target Price (on the road): £17,620

The deal: 3 years PCP finance with 6.3% APR and £485 finance deposit allowance

Audi's smallest car may be more expensive to buy than the majority of its rivals, but it feels very classy inside and is fun to drive.

6: Audi A1 30 TFSI SE - interior

Audi A1 30 TFSI SE - interior

Even cheaper A1s come loaded with all the equipment you're likely to need.

5: Mini Cooper Classic 3dr

Mini Cooper Classic 3dr

Target Price cost per month: £233

Target Price (on the road): £16,875

The deal: 3 years PCP finance with 3.9% APR

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.

5: Mini Cooper Classic 3dr - interior

Mini Cooper Classic 3dr - interior

It's great to drive, although it's not as practical as some rival small cars.

4: Skoda Karoq 1.0 TSI SE

Skoda Karoq 1.0 TSI SE

Target Price cost per month: £246

Target Price (on the road): £19,692

The deal: 3 years PCP finance with 5.9% APR and £1250 finance deposit allowance

Given the success of the larger Kodiaq, it seemed inevitable that Skoda's second SUV effort, the Karoq, would be similarly good.

4: Skoda Karoq 1.0 TSI SE - interior

Skoda Karoq 1.0 TSI SE - interior

This replacement for the Yeti and rival for the Nissan Qashqai and Peugeot 3008 is comfortable and practical, and even entry-level SE models come with lots of toys, including dual-zone climate control and an 8.0in infotainment touchscreen.

3: Mazda CX-5 2.0 SE-L Nav+

Mazda CX-5 2.0 SE-L Nav+

Target Price cost per month: £243

Target Price (on the road): £23,143

The deal: 3 years PCP finance with 4.1% APR and £1000 finance deposit allowance

On the face of it, the fact that Mazda's largest SUV doesn't offer the option of seven seats puts it at a disadvantage.

3: Mazda CX-5 2.0 SE-L Nav+ - interior

Mazda CX-5 2.0 SE-L Nav+ - interior

However, if you don't need to transport more than five people, it's one of the very best cars of its kind – it's comfortable, spacious and good to drive, and comes with a frugal petrol engine.

2: Skoda Octavia 1.5 TSI SE

Skoda Octavia 1.5 TSI SE

Target Price cost per month: £239

Target Price (on the road): £16,731

The deal: 3 years PCP finance with 5.9% APR and £2500 finance deposit allowance

The Octavia is quite simply the best family hatchback you can buy; that's why it gets our maximum five-star rating.

2: Skoda Octavia 1.5 TSI SE - interior

Skoda Octavia 1.5 TSI SE - interior

There are more stylish options, but if your priorities are a comfortable ride, loads of space and generous standard equipment for a very affordable price, little else gets close.

1: Volkswagen T-Cross 1.0 TSI 115 SEL

Volkswagen T-Cross 1.0 TSI 115 SEL

Target Price cost per month: £249

Target Price (on the road): £20,187

The deal: 3 years PCP finance with 5.6% APR and £1000 finance deposit allowance

The T-Cross is the best small SUB you can buy right now. Why? Well, it's spacious inside, comes with an impressive array of safety equipment and has a smooth ride, so no matter whether you're sticking to the city or venturing further afield, you'll arrive unflustered.

1: Volkswagen T-Cross 1.0 TSI 115 SEL - interior

Volkswagen T-Cross 1.0 TSI 115 SEL - interior

Add in the fact that the T-Cross is easy to drive and offers competitive running costs, and it's very easy to recommend.