Best cars for less than £400 per month

A new car doesn't have to break the bank. We've got great PCP deals on SUVs large and small, plush executive saloons and people carriers...

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Darren Moss
21 May 2019

Audi A4, Mercedes A-Class, Peugeot 5008, Volvo XC40

These days, the majority of new car purchases are made on personal contract purchase (PCP) deals. This type of financing is great, because it allows you to buy a new car that you might otherwise have been unable to afford.

A monthly budget of £400 for a new car is achievable for many of us, and the good news is that for that sort of money, you can end up driving 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 using 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 a limit of 10,000 miles per year.

If you find one you like, simply click on the relevant link to find out more. Alternatively, call us on 03302 216207 and we'll be happy to help find you a great deal from What Car? New Car Buying.


10. Nissan Qashqai 1.5 dCi N-Tekna

Target Price cost per month: £308 Target Price (on the road): £21,327 The deal: 3 years PCP finance with 4.9% APR and a finance contribution of £3250

4: Nissan Qashqai

The Qashqai is the car that started the family SUV revolution, and even though today the Volvo XC40 is a better all-rounder, the Qashqai is still very recommendable. This diesel engine will be ideal if you'll be spending a lot of time on the motorway, and N-Connecta trim gets you part-leather trim, privacy glass and larger alloy wheels than Acenta Premium versions.

Read our full Nissan Qashqai review, or see our great Qashqai deals


9. Ford Galaxy 2.0 Ecoblue 150 Zetec

Target Price cost per month: £352 Target Price (on the road): £25,432 The deal: 3 years PCP finance with 0% APR

Best cars for less than £400 per month

If you're in need of a big family MPV, few cars will suit you better than the Ford Galaxy. It has plenty of space inside for both people and luggage, and, unlike many other cars in this market, it's also good to drive. The 2.0-litre diesel engine you get here is our pick of the range, and our recommended Zetec trim level gets you all the equipment you'll need.

Read our full Ford Galaxy review, or see our great Galaxy deals


8. Audi Q3 35 TFSI Sport

Target Price cost per month: £358 Target Price (on the road): £28,535 The deal: 3 years PCP finance with 6.1% APR and a finance contribution of £1400

Audi Q3 35 TFSI DSG

The Q3 is Audi's premium family SUV, and a rival for the BMW X1 and Mercedes GLA, among others. It's suitably plush inside, with a high-quality interior and a big boot. This 1.5-litre petrol-engined version is reasonably peppy, too.

Read our full Audi Q3 review, or see our great Q3 deals

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