Auto Trader has launched a new online tool, allowing car buyers to search for their next car based on their ideal monthly budget. Given the popularity of PCP (Personal Contract Purchase) plans, this should benefit the majority of people who visit the classifieds website. With this in mind, we’ve been on the hunt for SUVs and crossovers for less than £200 a month.
To focus the results, we narrowed the search to cars up to five years old with no more than 100,000 miles on the clock. We also used a range of deposit options, from zero to £2,500.
£0 deposit: Nissan Juke
Once upon a time, an SUV meant tank-like styling and driving dynamics, four-wheel drive, and running costs to rival the national debt. Today, the lines between SUVs, crossovers and hatchbacks have become rather blurred, but to keep things simple we’ve used Auto Trader’s own filters to find a selection of SUVs for £200 a month. Like this Nissan Juke, which could be yours for £173.33 a month, with no deposit and an optional final payment of £3,474.58.
£0 deposit: Kia Sportage
This one-owner Kia Sportage has covered 49,100 miles and is on sale for £9,779. Alternatively, you can drive away with no deposit and £199.74 a month over three years. The optional final payment is £4,471.50, with a fixed rate of interest of 3.97%.
£500 deposit: Hyundai ix35
Increasing the size of the deposit from zero to £500 should, in theory, either lower your monthly payments or allow you to purchase a newer vehicle. This 2014 Hyundai ix35 has covered just 13,061 and is up for £9,950. With a £500 deposit, that works out at £199.97 a month, with an optional final payment of £4,649. You’ll pay nearly £2,400 in interest, mind.
£500 deposit: Dacia Duster
The Dacia Duster is a refreshingly honest SUV, and this 2014 example even benefits from four-wheel drive. The 1.5-litre dCi engine delivers a reasonable amount of poke and low running costs, while the black lower bumpers and steel wheels mean you won’t cringe when you hit the odd rock or tree stump. Yours for £199.77 a month, with an optional final payment of £2,655.
£1,000 deposit: Mitsubishi Outlander PHEV
Remember, these examples are for illustrative purposes only, and you can spend a few minutes fine-tuning your search criteria. If you fancy a shorter term and a larger deposit, simply adjust the settings. The Mitsubishi Outlander PHEV is a popular new car, so used examples are likely to be in-demand. Up the deposit to £1,000 and you can drive away in the plug-in hybrid SUV for £199.93 a month, with an optional final payment of £6,335.
£1,000 deposit: Volkswagen Tiguan
Such is the popularity of the Volkswagen Tiguan, we doubt this 2013 example will be available for long. The S trim is hardly lavish, but this one-owner example does benefit from 4Motion four-wheel drive and that all-important VW badge. Pay £1,000 and it’s yours for £199.55 a month, with an optional final payment of £4,331.50.
£1,500 deposit: Jeep Renegade
Increasing the deposit to £1,500 opens up a new world of opportunities, including some much newer vehicles. The Jeep badge gives the Renegade justification for the ‘SUV’ tag, even if this 2016 example is front-wheel drive. You’ll pay £199.98 a month, with an optional final payment of £6,075.
£1,500 deposit: BMW X1
Given the choice between spending £200 a month on a brand new supermini or a used BMW crossover, many will be lured by the premium badge of the X1. This front-wheel drive example dates from 2013 and has 47,688 miles on the clock. The monthly repayments are £184.05 after a £1,500 deposit. You’ll need to find £4,680 if you decide to keep it in 2021.
£2,000 deposit: Peugeot 2008
We’ve upped the deposit again, this time to £2,000, which is enough to secure this 2016 Peugeot 2008 with 9,100 miles on the clock. The spec includes cruise control, dual-zone climate control, 16-inch alloy wheels and rear parking sensors, while the monthly payments are £199.98. Optional final payment: £5,310.
£2,000 deposit: Vauxhall Mokka X
With just 7,702 miles on the clock, this 2017 Vauxhall Mokka X is practically new and benefits from a 7-inch touchscreen, front and rear parking sensors, Apple CarPlay and Android Auto, cruise control and dual-zone climate control. You’ll pay £199.95 a month, with an optional final payment of £6,231.39.
£2,500 deposit: Nissan Qashqai
With 4,092 miles on the clock, this Nissan Qashqai is practically brand new, even though it was registered in 2015. It begs the question: what has it been doing for the best part of three years? Predictably, it looks blemish-free, and it could be yours for bang on £200 a month. The optional final payment is £7,022.75.
£2,500 deposit: Audi Q3
We conclude with this 2014 Audi Q3 SE Quattro with 19,000 miles on the clock. Spend £2,500 on a deposit and you’ll pay £199.63 a month, with an optional final payment of £8,142.73. Contact the local dealers to discover more about the cars mentioned here, and be sure to take a test drive before signing up for a PCP deal.
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