WORRIED you can’t afford a new car? Low-cost financing from Sun Motors means you can pick up a saloon car, convertible or SUV – all with a fixed and affordable monthly payment of less than £200.
Shop sensibly, and for less than the price of a few family takeaways a month, you can take your pick from a huge range of used car bargains.
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Representative Example – Personal Contract Purchase:
Cash Price £6,995.00, Deposit £2,000.00, borrowing £4,995.00 over 4 years at 12.9% Representative APR (fixed). 47 monthly payments of £95.09 followed by a final payment of £2,365.00. Total cost of credit of £1,839.23 and total amount payable of £8,834.23. Based on 8,000 miles per annum, excess mileage charges will apply if this is exceeded. Sun Motors are a credit broker, not a lender.
Find a used car with Sun Motors
Don’t believe us? We’re going to showcase the best-used car bargains under £200 per month today.
You’ll see that by buying wisely, you can get the car you want at a regular payment you can manage at Sun Motors.
Ten best cars under £200
Here’s Sun Motors’ selection of the best-used cars available for less than £200 per month.
Fiat 500
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The Fiat 500 is a fantastic city car that delivers on looks and performance.
A new Fiat 500 would set you back a quite staggering £24,000, but you can pick up a 2021 Fiat 500 for less than half that with just 8,375 miles on the clock.
If you’re searching for a stylish and practical city motor that’s economical and easy to park, there are few better than the Fiat 500.
Toyota Aygo
The Toyota Aygo is an award-winning compact city car that comes with the Japanese brand’s reputation for bullet-proof build quality.
The 72bhp, three-cylinder engine isn’t the most powerful, but you’ll get an impressive 57-mpg return.
That means fewer trips to the fuel pump. Styling is personal, but we love the look of the Aygo.
Citroen C3
The Citreon C3 is packed full of personality, says Autotrader. Entry-level models can be basic, but one of the benefits of buying used is the chance to choose from a wide range of added extras, colours and trims on the market.
Like the Aygo and Fiat 500, the C3 is economical, delivering great value for money, says the test team at CarWow.
Despite its small size, it’s deceptively spacious making it great for small families.
Vauxhall Corsa
The Vauxhall Corsa is the classic first car, with the model in production for over four decades.
Today, the Corsa is a classy supermini that’s as safe, reliable and cheap to insure as it’s always been.
As well as the bog-standard basic Corsa, you can find more exciting models as you move up the specs, topping out with the Ultimate, which packs in a turbo-charged engine, LED matrix headlights and infotainment system.
SEAT Leon
A VW Golf without the price tag is one way to describe the SEAT Leon. Whatcar found the Leon beat both the Golf and Ford Focus, crowning it its family car winner.
You can pick up a standard spec Leon, but we recommend you invest a little extra for the FR (Formula Racing trim).
As well as nicer external and internal styling, you’ll also get a punchier and more powerful engine.
Peugeot 208
The Peugeot 208 is another fun and functional city car, with Autocar praising its unique looks and performance. The Peugeot 208 was Europe’s best-selling car in both 2021 and 2022, so there are plenty on the used market.
We like the petrol engine, but you can also pick up a diesel or pure electric version (known as the e-208).
Before buying, it pays to do your research. There are four levels (Active Premium, Allure Premium, GT Line and GT Premium) with each offering different features.
Nissan Qashqai
The Nissan Qashqai pretty much defines what a compact SUV is. Specs have changed since its launch in 2006, but today, the Qashqai remains a fun, family-friendly and spacious SUV.
It’s as popular as ever, with the Qashqai the UK’s best selling car in 2022.
While £200 a month won’t get you a nearly new Qashqai, you can pick up this 2019 model for less than £185 per month.
Hyundai i10
Want a cheap and reliable family runaround? The Hyundai i10 regularly picks up awards and has been named best city car by Which? and Auto Express.
In our opinion, it’s not as stylish as the C3 or Fiat 500, but it’s certainly practical.
The 5-door car is surprisingly spacious with the interior attractive enough and easy to keep clean.
The team at Auto Express recommend the Hyundai i10 1.2 Premium, with its (relatively) powerful four-cylinder engine worth the extra.
Mercedes-Benz SLK
Yes, you read that right, you can buy a Mercedes-Benz SLK for less than £200 per month.
This cool and compact roadster features a fantastic retractable hardtop and timeless looks.
An AMG version is probably out of your budget, but you should be able to pick up a good-used Mercedes SLK 200.
The model’s 1.8-litre four-cylinder turbocharged engine pushes out 181 bhp. It’s the right balance of performance and affordable insurance premiums.
BMW 1 Series
If a Mercedes-Benz SLK doesn’t do it for you, a BMW 1 Series might. The basic BMW 1 Series is, as it’s always been, a capable family motor. Spend a bit more, and you can get our favourite, the 1.6 118I SPORT.
The rear-wheel drive BMW 1 Series is fun to drive, with the manual or automatic versions both reaching top speeds of 140 mph. Drive a bit more sensibly, and you’ll get 48mpg.
It’s premium driving without the five-figure price.
Standout cars available on Sun Motors for under £200
We’ve scoured Sun Motors to find a few of our favourite used car bargains for under £200 per month.
BMW Z4 2.5 23i Convertible
Put down a deposit of £2,000 and you could be driving this used Z4 for less than £120 per month.
The Z4 convertible is fast becoming a classic and this low-mileage example is in fantastic condition. A red-leather interior complements the sleek black finish.
Whether it’s tearing around with the top down or cruising with it up, you’ll love driving this sporty BMW.
MG MG3 2020 (70)
A 70-plate car for less than £200 a month? This 2020 MG MG3 can be yours today. The family-friendly SUV is packed full of driver tech, including Nav Vti-tech technology.
The 1.5l engine is powerful enough for pretty much anything, doing 0-60 in 8 seconds. With just 20,629 miles on the clock, you’ll be buying a nearly-new car for less than half the list price.
Buying a used car? Find cars for under £200 on Sun Motors here.
Used car finance FAQs
How do I know if I am eligible for car finance?
Borrowing to buy a car isn’t like paying for a package holiday. You’re using capital to buy an asset – which reduces the risk to the lender.
This means that even those with low credit scores may still be able to get used car financing.
At Sun Motors, we specialise in helping those with poor credit secure finance.
Sun Motors: Buy your next vehicle today
If you’re part of the 3.3 million Brits looking to buy a used vehicle this year, Sun Motors is an ideal place to start
*If you click on a link in this boxout we will earn affiliate revenue
Sun Motors is a seamless, straightforward, transparent platform that ranks by customer searches, not payments. It offers innovative financing and concierge services, ensuring a simple, fair car-buying experience.
Enjoy:
- A choice of fuel type whether it’s petrol, diesel, electric or hybrid
- A range of models from convertible, estate, saloon and many more
- A range of top brands such as Ford, Volkswagen, Toyota and BMW
- Financing options
- Trusted dealers
The best thing to do is to find a car you’re interested in and get in touch. We can provide a range of options for almost every borrower, including those who may have had credit refused in the past.
Can I apply for car finance if I have poor credit?
Sun Motors works with a panel of lenders that will understand you and your credit history and match you with the best deal.
Even if you’ve had credit refused in the past, you may still be able to get financing for a new car.
Our advice is to find a car you want and then speak to our lenders. Before you do that, why not take some time to tidy up your credit score? The MoneySavingExpert site is a great place to start.
What will my monthly used car repayments be?
Your monthly repayments will depend on your individual circumstances and credit history, as well as the selling process of the car.
It’s impossible for us to provide details of how much you’ll pay a month. It’s easier to get in touch so we can chat through your options and payment plans.
How to find a car under £200 per month?
Sun Motors features an intelligent search function. Unlike other platforms where you’ll need to add loads of filters, just search for the car you want this way:
Ford Fiesta under £200 per month
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Click search and you’ll see all the cars that fit that criteria for sale. It’s simple enough, so why not give it a try today?
What cars are the easiest to finance?
The type of car you want to buy has no impact on your likelihood of getting finance.
What’s more important is ensuring that your credit score is as strong as it can be before applying for credit.
Motor Genius Group Ltd t/a Sun Motors (FRN 960504) is an Appointed Representative of The Compliance Guys Ltd who is authorised and regulated by the FCA (FRN 941360). Sun Motors are a credit broker not a lender. Sun Motors work with a select group of lenders and will receive commission. The full details of how the commission arrangements work will be provided before you proceed with any arrangement. Finance subject to status and income. Terms and Conditions apply. The advice we provide is not impartial due to our commercial relationships with lenders. ICO number [ZB640135].
