Ten great cars for less than £200 per month

Ten great cars for less than £200 per month
Ten great cars for less than £200 per month

Bargain PCP deals will get you behind wheel of any of these motors

Many car buyers will agree that the best way to get behind the wheel of a brand new car is a Personal Contract Purchase – PCP – deal. Around 75 per cent of new cars are bought this way, and as long as you are able to keep up the monthly repayments, and are then prepared to settle the balance, roll over any value or walk away after three years, what could possibly go wrong?

Here are our top ten deals for under £200 per month, including everything from an SUV to a city car to a huge saloon. They assume 15 per cent of the car’s value combined with the manufacturer’s discount allowance, based on three years’ ownership and a 10,000-mile annual mileage.

1. Seat Ibiza 1.0 TSI 95 SE 5dr

Average cost per month: £195
Price after discounts (on the road): £13,023
The deal: Three years’ PCP finance with 5.9% APR and £1500 finance deposit allowance

All-new Seat Ibiza is a great car for great value. It’s sharply styled, with a terrific engine range, and is smart, well kitted out and spacious inside. It’s recently seen off both the new Ford Fiesta and the Skoda Fabia in group tests.

2. Ford Fiesta 1.0 Ecoboost Zetec 3dr

Average cost per month: £195
Price after discounts (on the road): £14,029
The deal: Three years’ PCP finance with 2.9% APR

The feisty, great-handling Ford Fiesta hatchback also happens to be Britain’s best-selling car – and you can see why. There are so any variants, you’re bound to find the perfect one for you, and there’s a good amount of safety kit, too.

3. Skoda Octavia 1.4 TSI SE

Average cost per month: £198
Price after discounts (on the road): £16,126
The deal: Three years’ PCP finance with 2.9% APR and £2000 finance deposit allowance

The first of a pair of Skodas on our list provides plenty of car for your dosh. The Octavia is a great model with loads of equipment. Both saloon and estate boast huge space for people and their stuff, and we love this model’s 1.4-litre petrol powerplant.

4. Skoda Fabia 1.0 TSI 95 SE

Average cost per month: £161
Price after discounts (on the road): £12,106
The deal: Three years’ PCP finance with 2.9% APR and £2000 finance deposit allowance

The Skoda Fabia small hatchback represents huge value for money. It’s well made, comfortable, roomy and pretty good to drive, and you’ll get everything you require in SE trim.

5. Seat Ateca 1.0 TSI Ecomotive S 5dr

Average cost per month: £184
Price after discounts (on the road): £17,206
The deal: Three years’ PCP finance with 4.9% APR

Seat’s class-leading Ateca SUV injects some more car-like handling and real styling flair into the arena. This 1.0-litre turbo is fine as long as you aren’t doing too many motorway trips, although we’d prefer the more expensive 1.4-litre engine.

6. Hyundai i10 1.2 Premium SE 5dr

Average cost per month: £169
Price after discounts (on the road): £11,687
The deal: Three years’ PCP finance with 4.9% APR and £500 finance deposit allowance

Hyundai’s i10 city car is a valid alternative to the VW Up (below) thanks to its surprising roomy, well kitted-out and peaceful cabin. This Premium SE trim also gets a trick infotainment set-up as well.

7. Seat Leon 1.2 TSI SE Dynamic Technology 5dr

Average cost per month: £199
Price after discounts (on the road): £14,774
The deal: Three years’ PCP finance with 4.9% APR and £2250 finance deposit allowance

Sat-nav, air-con and cruise control are among the generous kit and tech haul in this particular version of the Seat Leon. The car is good fun to drive, with sharp styling and five-door hatch practicality.

8. Volkswagen Up 1.0 90 High Up 3dr

Average cost per month: £180
Price after discounts (on the road): £11,139
The deal: Three years’ PCP finance with 4.6% APR and £500 finance deposit allowance

Classy little city car is VW’s cheapest offering, yet the Up feels like a larger model in terms of sophistication, fit and finish.

9. Suzuki Vitara 1.6 SZ4

Average cost per month: £166
Price after discounts (on the road): £14,212
The deal: Three years’ PCP finance with 2.9% APR

Plenty of equipment as well as cabin space typify Suzuki’s traditionally strong approach to building small SUVs. The Vitara is fun and sharply priced, too.

10. Hyundai Ioniq 1.6 GDi Hybrid SE DCT

Average cost per month: £178
Price after discounts (on the road): £17,499
The deal: Three years’ PCP finance with 4.9% APR

Petrol-electric Hyundai Ioniq hybrid is a sensible alternative to a Toyota Prius, and its CO2 emissions of 79g/km will help keep your tax bills down. The family-sized car is quite good to drive, and also comes in plug-in hybrid or pure EV form.

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