HQ Sourcing Ltd T/A Nationwide Motor FinanceFCA authorised and regulatedFRN 1054103Credit broker, not a lender

Budget-led car search

Current cars illustrated under £200 a month.

This live category shows cars whose standard website illustration is below £200 per month. It is a comparison tool, not a quotation or affordability decision.

  • Real used cars in stock
  • Some lender decisions in seconds
  • Initial review within one working hour
  • 12.9% representative APR
Prepared and reviewed by the Nationwide Motor Finance team for HQ Sourcing LtdLast reviewed 25 August 2026

Start here

A real car-finance enquiry, without leaving this page.

Choose a car in stock or tell us your monthly budget. Your answers help our team identify ready-to-talk enquiries and prepare for a useful callback.

  • Real dealership stock
  • No credit check on this form
  • England, Scotland and Wales
About 60 seconds

Discuss my monthly budget

Share the essentials. Extra finance details are optional and can help us prepare.

1Your contact and buying intentRequired
Add finance details for a faster call Optional

These answers help the team discuss realistic options. You can also provide them by phone.

HQ Sourcing Ltd T/A Nationwide Motor Finance is authorised and regulated by the Financial Conduct Authority, FRN 1054103. We act as a credit broker, not a lender. Finance is subject to status and affordability.

We may receive commission from a finance provider following an introduction. The nature and basis will be explained before an agreement, and the amount is available on request.

No credit check at this stage · No obligation · Finance is subject to status and affordability

01

What under £200 means here

The filter uses the website's standard representative illustration and the minimum illustrated deposit for each car. Changing the deposit, term or rate changes the payment.

Your actual offer may be higher or lower and depends on status, affordability, vehicle eligibility and provider criteria.

02

Budget beyond the finance payment

Add insurance, tax, fuel, servicing, MOT, tyres and repairs before deciding whether a car is affordable. A payment that fits today should also leave a sensible buffer for changing household costs.

03

Use the result as a shortlist

Open each vehicle for its full photographs and details, then send an on-site enquiry with your target budget. The website form does not search your credit file or provide an approval decision.

Current vehicle examples

Start with a car you can see.

These monthly figures are illustrations, not quotes. Open a vehicle to see its full gallery and details.

View all current cars and monthly illustrations →

Helpful answers

Questions about cars under £200 per month.

Will my payment definitely be under £200?

No. The figure is an illustration only. Actual terms may be higher or lower.

What deposit is used?

The standard vehicle illustration uses £250 unless a higher minimum is required for the illustrated amount of credit.

Does a longer term always cost less?

It can reduce the monthly payment but may increase the total cost of credit.

Can I use a £0 deposit?

The calculator lets you compare £0 on eligible examples, but actual deposit requirements depend on the provider and vehicle.

Ready when you are

Ask about a real car and a realistic monthly budget.

The on-site form sends an eligibility enquiry to our credit-broker team. It is not a finance application or lender decision.

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