The 10 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 for less than £250 per month.....

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.

Car compilation image with pound sign logo

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 choose from small cars, family hatchbacks 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 four years, with a limit of 8000 miles per year unless otherwise stated.

Editor's note: Images are purely illustrative and may not reflect specified trim levels

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10: Mini Cooper Classic II 3dr [Comfort Pack]

Mini Cooper Classic 3dr

Target Price cost per month: £203

Target Price (on the road): £17,601

The deal: 4 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. It's great to drive, although it's not as practical as some rival small cars.

10: Mini Cooper - interior

Mini Cooper Classic 3dr - interior

This version comes with Mini's Comfort Pack already added, which brings extra kit including climate controls, rear parking sensors and heated front seats.

9: Volkswagen Golf 1.5 TSI EVO Match

Volkswagen Golf front three quarters

Target Price cost per month: £217

Target Price (on the road): £19,710

The deal: 4 years PCP finance with 4.9% APR and £2000 finance deposit allowance

For many, the Golf is the de facto family hatchback, and it remains one of our favourites. You get plenty of kit as standard, and, with so many models to choose from, you're bound to find one that suits you.

9: Volkswagen Golf - interior

Volkswagen Golf - interior

This deal gets you our recommended 1.5-litre petrol engine and Match trim, which adds sat-nav on top of everything else that SE models come with. There's an all-new Golf coming soon, too.

8: Mazda 6 2.0 Sport Nav+ [Safety Pack]

Mazda 6 2.2d SE-L Nav+ auto

Target Price cost per month: £246

Target Price (on the road): £22,589

The deal: 4 years PCP finance with 0% APR and £4000 finance deposit allowance

If you're looking for an executive saloon that's a bit left field from the usual German offerings, the stylish Mazda 6 is well worth considering. Its 2.0-litre petrol engine is punchy and economical, while Sport Nav+ trim comes with everything you could reasonably want.

8: Mazda 6 - interior

Mazda 6 2.2d SE-L Nav+ auto - interior

As a bonus, you also get Mazda's Safety Pack thrown in, which gets you lane-keeping assistance, a driver attention monitor and adaptive LED headlights.

7: Citroën Berlingo 1.5 BlueHDi 100 Feel M

Citroën Berlingo front three quarters

Target Price cost per month: £250

Target Price (on the road): £19,197

The deal: 4 years PCP finance with 4.9% APR and £750 finance deposit allowance

The Berlingo is massive inside, so whether you need to transport five people or a boot full of luggage – or indeed both – it will safely swallow it all and still ask for more.

7: Citroën Berlingo - interior

Citroën Berlingo - interior

The 1.5-litre diesel engine you get here is a good bet if you'll be covering lots of motorway miles, while our recommended Feel specification comes with air conditioning, cruise control and an 8.0 touchscreen infotainment system.

6: Ford Fiesta ST 1.5 Ecoboost ST-2 [Performance Pack] Nav 3dr

Ford Fiesta ST Performance front three quarters

Target Price cost per month: £220

Target Price (on the road): £20,124

The deal: 4 years PCP finance with 2.9% APR and £1000 finance deposit allowance

You might think that a hot hatchback like the Fiesta ST would have only niche appeal, but as well as being outrageously good fun to drive, the Fiesta is also fairly practical.

6: Ford Fiesta ST - interior

Ford Fiesta ST - interior

The 1.5-litre petrol engine under the bonnet sounds fantastic and revs freely, and when combined with the Fiesta ST's excellent front-end grip and engaging handling, makes this a very fun car to drive quickly. Come rain or shine, you'll have a smile on your face.

5: Skoda Karoq 1.5 TSI SE DSG

Skoda Karoq front

Target Price cost per month: £206

Target Price (on the road): £21,817

The deal: 4 years PCP finance with 4.9% APR and £1750 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.

5: Skoda Karoq - interior

Skoda Karoq - interior

This replacement for the Yeti (and rival to 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. The DSG version also comes with an automatic gearbox.

4: Audi A3 30 TFSI 116 Sport [Tech Pack]

Audi A3 front three quarters

Target Price cost per month: £207

Target Price (on the road): £21,984

The deal: 4 years PCP finance with 6.3% APR and £2150 finance deposit allowance

Despite being one of the oldest cars in the family car class, the Audi A3 is still one of the best – after all, it's a former Car of the Year.

4: Audi A3 - interior

Audi A3 - interior

It's comfortable, spacious, good to drive and well equipped, and this petrol-engined version is nicely peppy too.

3: Skoda Octavia 1.5 TSI SE Drive

Skoda Octavia front three quarters

Target Price cost per month: £207

Target Price (on the road): £18,291

The deal: 4 years PCP finance with 4.9% APR and £2500 finance deposit allowance

The Octavia is a fantastic family car; that's why it gets our maximum five-star rating.

3: Skoda Octavia - interior

Skoda Octavia - interior

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

2: Volkswagen T-Cross 1.0 TSI 115 SEL

Volkswagen T-Cross front three quarters

Target Price cost per month: £220

Target Price (on the road): £18,671

The deal: 4 years PCP finance with 4.9% APR and £750 finance deposit allowance

The T-Cross is the best small SUV 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.

2: Volkswagen T-Cross - interior

Volkswagen T-Cross - 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.

1: Skoda Scala 1.0 TSI SE L

Skoda Scala front

Target Price cost per month: £207

Target Price (on the road): £17,485

The deal: 4 years PCP finance with 5.9% APR and £2250 finance deposit allowance

Think of the Scala is being a cheaper version of the Volkswagen Golf, and you won't be far wrong. Don't think that cheap can't make you cheerful, though, because the Scala is spacious inside, has a good infotainment system and a comfortable ride.

1: Skoda Scala - interior

Skoda Scala interior

Even better, our recommended SE L cars come with 17in alloy wheels, LED rear lights and climate controls.

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