The best PCP deals for £200 per month or less

In SE spec you get 16in alloys, xenon headlights, electrically adjustable and heated door mirrors, cruise control and automatic lights and wipers. All that is in addition to a 7in infotainment system with DAB, Bluetooth and two USB ports, so it’s no surprise the A3 tops out the £200 per month budget.

Dacia Duster

The Dacia Duster, our online review of which was our most-read of last year, is available at less than £200 per month in two trims: both entry-level Access trim and next-up Ambiance spec.

We rate the Duster for its budget appeal, spacious interior and decent running costs. In entry-level Access spec it costs £137 per month, or £181 with four-wheel drive, while in Ambiance trim it costs from £158 with two-wheel drive and a 1.6-litre petrol engine, up to £193 for the diesel-powered car.

Fiat 500

Much of the Fiat 500 range is available for less than £200 per month, with a few examples only a fiver or so above our £200 limit. Top-spec cars can be as much as £296 per month, though.

We like the 500’s mix of cheeky retro looks, good value and classy interior, although it’s slightly let down by a noisy engine range and a deficit of space, but it is a city car, after all. You can have the 500 for as little as £137 per month in basic 1.2 Pop spec.

Ford Fiesta ST

Taking the prize for the most fun you can have for under £200 per month is the Ford Fiesta ST-3. In fact, the whole Ford Fiesta ST range (with the exception of the extra hot ST200) and the vast majority of the rest of the Fiesta line-up is available for less than £200 per month.

It’s the Fiesta ST we’re looking at here, which is available from £150 per month in ST spec, from £159 per month in ST-2 spec and £169 per month in ST-3 spec. It’s one of the highest-rated sub-£200 per month cars in our list for its handling, gearbox and engine, and is a bona fide hot hatch bargain.

Ford Focus

If you’re after more space but less pace, the Ford Focus is also available for less than £200 per month. The whole range hovers around the £200 mark, but the entry-level 1.6 85 Style-spec Focus costs just £146 per month.

Strong points include value for money, handsome styling and a range of frugal engines, but those after a plush interior will have to sacrifice some interior style in exchange for the sub-£200 monthly price.

Mini hatchback

Sneaking in under the £200 limit are the Mini One and Mini Cooper hatches. They’re base-spec cars, but we love the Mini’s personality, interior quality and decent range of engines.

Even the entry-level 1.2-litre Mini One - £178 per month or £198 with the Pepper Pack – gets our approval, in addition to the slightly sportier 1.5-litre Cooper at £185. It’s a solid four-and-a-half star car in both variants.

Nissan Note

The Nissan Note isn’t long for this world, with the Micra indirectly replacing the model, in addition to its predecessor, when the all-new supermini goes on sale early next year. The Note is still available for now though, from £174 per month in entry-level Acenta trim.

Acenta Premium and Black Edition specs are also available for less than £200, with all variants receiving praise for their practicality, frugality and smooth ride.

Renault Clio

Much of the Renault Clio range is priced at under £200 per month on a PCP deal, although many of the diesel options are more than £200 in anything other than bottom-rung spec.

The petrol range doesn’t break the £200 barrier until high-end 1.2 TCe Dynamique S Nav spec, so those looking for a low monthly cost are best advised to go for these. Whatever you go for, you’ll get a nicely styled, decent-riding and good-handling supermini.

Seat Ateca 1.0 Ecomotive S

Few cars have made a bigger impact in the past year than the Seat Ateca, which has already become one of our favourite small SUVs. There’s only one available at under £200 per month though: the 1.0 TSI Ecomotive S.

Despite being the entry-level car, we rate it highly and think it’s one of the best small SUVs out there, especially for those who do lots of urban driving. It’s £192 per month.

Skoda Octavia 1.0 TSI S

The Skoda Octavia we've found is another 1.0-litre Volkswagen Group car and another sub-£200 per month deal. You can have it in either hatchback form, at £181 per month as a manual or £199 with a DSG dual-clutch automatic gearbox, or as an estate, at £200 for the manual or £216 with the DSG gearbox.

It’s the only Octavia available for under £200 per month but it’s also one of the biggest cars on the list, so in terms of practicality per pound, few other cars here, if any, can match it.

Suzuki Swift Sport Nav 3dr

The Swift Sport is another of our favourites for those on a budget of around £200. It pushes the limit at £205 per month, but in terms of smiles-per-mile, it's hard to beat. It's not the hottest of hot hatches - it's more of a warm hatch - but we find that it blends practicality with fun almost perfectly. 

Vauxhall Corsa

Many variants of the Vauxhall Corsa can be had for less than £200 per month, although only three of these include anything other than the 1.4-litre petrol engine.

One diesel – the 1.3 CDTi Ecoflex Energy car – is available, and two specs with the 1.0-litre turbocharged three-cylinder engine, and all three are within £10 of the £200 limit. The cheapest – a 1.4 75 Sting car in three-door format – costs £160 per month.

VW Up