Best used cars for under £250 per month

Sporty hatchbacks, fashionable crossovers, and even hybrids: you can find your perfect used car for under £250 a month

Simon Ostler
Apr 20, 2021

A budget of £250 per month might not sound like a lot if you're considering the purchase of a new car, but that's what makes buying a used car such a good idea. We've managed to put together a pretty exciting list of cars that you could be driving for less than that, and they're all available now on BuyaCar.

Having spent some time pouring over the used car pages on BuyaCar, we're pleased to report there are some excellent options on the table for under £250 per month. We've picked out 10 of the best cars currently up for grabs for this bargain price.

From classy and refined saloons to hard-hitting hot hatches and cutting-edge hybrids, you really can get your hands on pretty much anything at this price point - and you can be sure they'll be good examples, too.

All of the deals below are based on a typical four-year PCP finance agreement, with an annual 8,000-mile allowance and a £1,000 deposit. You can read our helpful PCP explainer for all the details, or scroll down now and get stuck in.

Best used cars for under £250 a month

1. Jaguar XF

Used deals from £12,900
Monthly finance from £306*

Here we have a very genuine alternative to the classy and upmarket BMW 5 Series and Mercedes E-Class. As you'll be able to tell by its presence in this list, though, the Jaguar XF comes in at a very reasonable price in comparison.

Not only are you getting a saloon with the kind of quality you would expect from those established German manufacturers, you're also getting a decent - albeit limited - range of engines.

For this £250 per month budget we've picked out XF models in Portfolio trim, which concentrates on delivering luxury by giving you highly adjustable seats, lot of leather inside and a high-end Meridian sound system.


2. Audi A4

Used deals from £12,000
Monthly finance from £238*

The Audi A4 has a lot going for it. For a start, it holds its value extremely well, which helps to keep it within our £250 per month budget, but aside from that, it also brings that fabled quality that Audi is so famous for.

You get a very strong choice of useful engines, too. We'd forgo the underpowered 1.4-litre petrol (TFSI) in favour of a more powerful 2.0-litre, or indeed, any of the frugal 2.0-litre diesels (TDI).

For this price range we've found a number of models with the range-topping Black Edition trim. So not only are you getting a high-quality saloon, you'll be looking at some of the very best you can buy.


3. Hyundai Ioniq Hybrid

Used deals from £14,995
Monthly finance from £274*

When you start thinking about a new car in this day and age it's hard to ignore the growing presence of the hybrid market. Cars like the Hyundai Ioniq Hybrid have become viable alternatives to the Volkswagen Passat or Vauxhall Insignia thanks to their improved efficiency and more reasonable pricing.

Not only will you save money on fuel and road tax, hybrid and electric cars are also a good choice for those who spend time driving around London, as they comply with the very latest ULEZ restrictions.

We've found a number of Ioniq models in Premium trim within budget, equipped with an eight-inch touchscreen, sat-nav, Android Auto and Apple CarPlay compatibility, and wireless smartphone charging.


4. Mercedes E-Class

Used deals from £15,550
Monthly finance from £219*

If the Jaguar XF we suggested above simply doesn't do it for you, the Mercedes E-Class is another option for you. Mercedes is famed for its exceptional build-quality and luxury interiors. If you’ve been to Germany you might have sat in the back of an E-Class taxi and thought: 'this is nice'.

Well, now you have the chance to sit in the driving seat, because we've got plenty of E-Class models available for less than £250 per month on BuyaCar. It's a comfortable and stylish saloon, with a strong range of engines on offer - even the cheapest 220d ('d' for diesel) is powerful and economical - while AMG Line trim is packed with technology.

For this budget, you'll be looking at something between three and five years old, but that's not to say you will be worse off. The E-Class is a high-quality vehicle, and one which has been built to last.


5. Peugeot 508

Used deals from £9,015
Monthly finance from £313*

The previous-generation Peugeot 508 saloon may not be the most exciting prospect - especially compared to the newer model. But up against the likes of the Ford Mondeo, it actually brings a fair amount of appeal, especially in GT Line spec.

Within this £250 per month budget you'll be looking at GT Line trim models with the 2.0-litre, 150hp diesel engine that brings an acceptable level of performance. But it's worth bearing in mind that there are versions of the latest 508 model, a far more exciting and high-quality option, beginning to drop into this price point, so it's certainly worth keeping an eye out.

Whichever model you go for, new or old, if you're after something that offers a little bit of everything, the 508 might just be for you.


6. Mazda MX-5 RF

Used deals from £15,000
Monthly finance from £264*

The Mazda MX-5 RF was introduced in 2017, and it's now available on the used market for less than £250 per month. What you're getting here is the stylish and low-lying appeal of the standard MX-5 but with the addition of a convertible hardtop.

Because the RF is still relatively new, you will be scratching around lower end of the performance tree, but you will still be getting a very appealing little sports car with plenty of power and exciting handling.

For a small car that provides a pure driving experience, there really isn't a better alternative to the MX- 5 RF at this price point.


7. BMW 1 Series

Used deals from £9,995
Monthly finance from £177*

The BMW 1 Series packages all of the features of the German marque into a very compact hatchback. This is another previous-generation model that has been replaced by a newer and much more expensive version - the latest 1 Series is currently available from £295 per month - but that doesn't mean you should write off what is still a very desirable hatchback, especially when it's available at this kind of price.

You still get all of the quality of a 3 Series, and the BMW badge of course, and it's still incredibly fun to drive thanks to it's rear-wheel-drive setup - something absent from the newest model. The 1 Series is the sportiest of the posh hatchbacks, airing more on the side of driving pleasure than the Mercedes A-Class or Audi A3.

Your £250 per month will get you behind the wheel of an M Sport Shadow Edition trim, which will get you sports seats and some sporty exterior styling. But you will be missing out on the more powerful engines, so bear in mind you might not be driving the fastest 1 Series out there.


8. Seat Arona

Used deals from £10,450
Monthly finance from £173*

The Arona may be the baby of the Seat SUV range, but that doesn’t mean it’s lacking in punch, especially not in FR spec.

You get a nippy, yet economical 115hp 1.0-litre petrol engine, 17-inch alloy wheels, twin exhaust pipes, sports seats, sports suspension and a whole load of electronic driver assistance tech. The Seat Arona really does come into its own at this price point.

Yet, because it's technically an SUV, it also feels remarkably grown up inside. It easily has enough room inside for a small family, with 400 litres of space in the boot, which increases to 823 litres with the seats down.


9. Skoda Superb

Used deals from £10,990
Monthly finance from £238*

If you have a lot of things to carry, the Skoda Superb is probably your best choice. With a cavernous boot and huge amounts of space in the back, you won't be left wanting.

This car is hugely spacious in both saloon and estate guise and also puts an emphasis on fuel economy, so it's also immensely good value for commuting.

Better still is that within our £250 per month budget you can go for an SE L Executive model, which brings a 9.2-inch touchscreen display, leather upholstery, heated seats in the front and a motorised boot lid.


10. Volkswagen Golf GTI

Used deals from £15,295
Monthly finance from £282*

Finally, we have a seriously-hot hatchback. The Volkswagen Golf GTI has attained iconic status over its lifetime and it's still going strong as one of the most exciting cars on the market to drive.

Expect prices for this model to continue to drop, because a new version of the Golf is on sale - this one definitely won't be available at this price. As with several of the other options on this list, though, the fact this has been replaced does not make it obsolete. That's doubly true for the outgoing Golf GTI.

With a one-size-fits-all 2.0-litre petrol engine producing 230hp there isn't really anything that comes close within our £250 per month budget. In terms of tech and equipment, you'll get everything from the standard Golf, and a whole load of extras that make the GTI feel like a very good value option.


*Representative PCP finance - Ford Fiesta:

48 monthly payments of £192
Deposit: £0
Mileage limit: 8,000 per year
Optional final payment to buy car: £2,923
Total amount payable to buy car: £11,926
Total cost of credit: £2,426
Amount borrowed: £9,500
APR: 9.9%

BuyaCar is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.


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