Nationwide Motor Finance
0800 069 9690Apply online

Budget-led car search

Used cars illustrated under £200 a month

Browse the cars below using the displayed deposit and 60-month illustration assumptions. These are not personalised quotes: vehicle age, mileage and lender criteria may limit available terms. Compare the total cash price and total payable before enquiring.

Choose your car

Browse our listed cars with monthly illustrations at 8.9% representative APR.

Lowest illustrated payments first. Compare deposit, term and total cost—not just the monthly figure.

8 matching vehicles

2014 BMW 1 Series, photograph 1 of 1Photos6 MonthsWarrantySport model • Great value

BMW 1 Series

2014 · 107,356 miles · Manual

£118.26/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £6,006.32

Includes £499 admin fee

View car & finance details →
2016 KIA Ceed, photograph 1 of 1Photos6 MonthsWarrantyTop spec • Reverse camera

KIA Ceed

2016 · 100,897 miles · Manual

£140.50/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £7,089.32

Includes £499 admin fee

View car & finance details →
2016 VAUXHALL Corsa, photograph 1 of 1Photos6 MonthsWarrantyLow mileage • Stunning Corsa

VAUXHALL Corsa

2016 · 34,086 miles · Manual

£165.61/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £8,311.32

Includes £499 admin fee

View car & finance details →
2014 VOLKSWAGEN Golf, photograph 1 of 1Photos6 MonthsWarrantyStunning Golf automatic

VOLKSWAGEN Golf

2014 · 88,016 miles · Automatic

£171.67/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £8,606.32

Includes £499 admin fee

View car & finance details →
2016 AUDI A3, photograph 1 of 1Photos6 MonthsWarrantySE Technik • 3 owners

AUDI A3

2016 · 82,484 miles · Manual

£182.66/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £9,141.32

Includes £499 admin fee

View car & finance details →
2013 BMW 5 Series, photograph 1 of 1Photos6 MonthsWarrantyStunning BMW 5 Series

BMW 5 Series

2013 · 78,712 miles · Automatic

£186.63/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £9,334.32

Includes £499 admin fee

View car & finance details →
2019 TOYOTA Yaris, photograph 1 of 1Photos6 MonthsWarrantyDrives superb • Reverse camera

TOYOTA Yaris

2019 · 96,078 miles · Manual

£192.81/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £9,635.32

Includes £499 admin fee

View car & finance details →
2014 FORD Kuga, photograph 1 of 1Photos6 MonthsWarrantySunroof • Reverse camera • Top spec

FORD Kuga

2014 · 52,982 miles · Automatic

£199.75/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £9,973.32

Includes £499 admin fee

View car & finance details →

Stock last synchronised 2026-10-11. Prices and availability require confirmation. These are illustrations, not personalised quotes. Read vehicle warranty terms.

Nationwide Motor Finance · HQ Sourcing LtdPage updated How we prepare our information
01

Compare use, condition and total cost

A commuter, family car and occasional-use vehicle can have very different ownership costs. Consider your annual mileage, insurance quotation, service needs and the amount you can set aside for unexpected repairs.

Use the calculator to understand the illustration. A longer term may reduce the monthly figure, but it can increase the total interest and may not be available for an older car.

Your next step

Discuss a car and a budget that suits you.

Tell us which vehicle interests you, your comfortable monthly budget and when you need the car. This helps us prepare a useful conversation about suitable options, without a credit search at this stage.

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

Request a car-finance callback

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

1Your contact and buying intentRequired

Found a car elsewhere? Select the other-dealership option and have the advert link and dealer details ready for your callback.

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

Helpful answers

Cars under £200 per month: common questions

Is £200 my maximum total monthly car cost?

No. These are finance illustrations. Insurance, fuel, tax and maintenance are separate costs unless explicitly included in an actual agreement.

Can I change the deposit or term?

You can explore different assumptions with the calculator. The lender determines the terms it can offer.

Are there always cars below £200?

No. Stock and calculations change. An empty collection should clearly say there are no matching vehicles.

Keep exploring

Useful next steps.

How our broker service worksUnderstand our role, lender decisions and commission.Read more →Browse cars on financeView vehicle details and illustrative monthly payments.Read more →How car finance worksUnderstand the agreement before making a commitment.Read more →

Ready when you are

Ask about a real car and a realistic monthly budget.

Choose a short callback enquiry or the full online application. Both reach our credit-broker team; neither form searches your credit file or gives a lender decision.

Request a callbackComplete full application
Call usApply for finance