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the-10-best-cars-for-less-than-pound200-per-month

Here, we count down the top 10 deals from our Target Price research, which reveals the most you should pay for a new car.

Each deal is based on 15% of the value of the car, combined with the manufacturer's finance discount allowance, and are for four years, with a 36,000-mileage limit, unless otherwise stated.

Editor's note: Images are purely illustrative and may not reflect mentioned trim levels

Slideshow story - please click right-hand arrow above to continue

These days, the vast majority of new cars are bought through PCP finance deals, and it's easy to see why.

Suzuki is well known as a motorcycle manufacturer, but the car brand has been enjoying decent success in recent years, thanks to a line-up of neat, well-equipped and keenly priced models.

Its expertise focuses on smaller cars, although its high-riding SUV range is also hugely credible, especially the Ignis and Vitara, which are both rated highly by What Car?’s testers and which have enjoyed success at the What Car? Awards as a result.

Well priced, decent to drive and full of useful tech, Suzuki’s cars also generally stand out for delivering good fuel economy. The Ignis, Celerio and Baleno have all stood head and shoulders above the competition during our True MPG testing.

SUZUKI

IGNIS

Target Price cost per month: £151

Target Price: £11,885

The deal: Four years' PCP finance at 6.9% APR

Don't be fooled by its small size, because the Suzuki Ignis is one deceptively spacious SUV. It's also fun to drive and ruthlessly efficient, and this 1.2-litre petrol-engined version is efficient, too, with mild hybrid technology designed to lower your fuel bills by giving the engine small amounts of electrical assistance.&nbsp;

10: Suzuki Ignis 1.2 Dualjet SZ3

SZ-3 may be the entry-level trim, but it still gets you Bluetooth connectivity, electric front windows and air conditioning.

10: Suzuki Ignis 1.2 Dualjet SZ3 - interior

One of the greatest success stories in the car world of recent decades is Skoda’s rise to become a hugely credible mainstream maker of good-value, good-sense cars.

Central to that success has been its place within the VW Group, alongside the Volkswagen brand itself, plus the likes of Seat and Audi. That has given it access to exactly the same underpinnings for its cars as the other brands, and it has complemented this by adding its own developments, from the way the cars drive and ride through to the features they have and the pricing.

The result is a range that extends from a city car to a large executive saloon, with family and large seven-seat SUVs too. There’s a wide variety of petrol and diesel engines, all of which are competitive for the class.

As a result, Skoda has a range of cars that is almost entirely class-leading or among the class leaders, and it has enjoyed long-time success at the What Car? Awards as a result.

SKODA

FABIA

Target Price cost per month: £157

Target Price: £14,924

The deal: Four years' PCP finance with 0% APR and £1250 finance deposit allowance

The Skoda Fabia is a former What Car? Car of the Year and still one of the best small hatchbacks you can buy.

9: Skoda Fabia 1.0 TSI 95 SE

It's a practical, quiet and composed choice, build quality is top-notch and it's still relatively cheap even in our favourite spec.

9: Skoda Fabia 1.0 TSI 95 SE - interior

Today, the resurgent Seat brand is selling better cars than at any time in its history.

In large part, that’s because it is one of the brands owned by the VW Group. Underneath, all of the cars it sells are strongly related to similar models sold by Volkswagen itself, or the likes of Skoda and even Audi. If you are buying a Leon, for example, the hardware will be similar to that of the Golf, Octavia and A3.

But while Seat makes the most of this tie-up to offer everything from city, small and family cars, including estates, through to a full range of SUVs, it also adds in its own slice of character, both with its distinctive styling approach and because its engineers generally tune the cars to deliver sportier handling.

While all of its cars are decent, it is the SUVs that stand out. The Arona and Ateca are among the class leaders and have enjoyed triumphs at the What Car? Awards.

SEAT

IBIZA

Target Price cost per month: £172

Target Price: £15,040

The deal: Four years' PCP finance with 6.3% APR and £1750 finance deposit allowance

While it's the Volkswagen Polo which rules the roost when it comes to small cars, the Seat Ibiza still gets our top five-star rating and is cheaper to buy.

8: Seat Ibiza 1.0 TSI 95 FR

It's great to drive, too, as well as being remarkably spacious.

8: Seat Ibiza 1.0 TSI 95 FR - interior

Audi is a brand that sets the standard for interior quality, and this, combined with its vast and ever-growing model line-up, has helped it become one of the ‘big three’ German prestige car makers, along with BMW and Mercedes-Benz.

The A3 hatchback, A4 executive saloon and Q7 SUV are all common - yet upmarket - sights on UK roads.

At least some of Audi's success over the past 30 years can be attributed to the growth in sales of vehicles with four-wheel drive; the company arguably led the way in bringing 4x4 technology into the mainstream, with its Quattro coupé in the early 1980s.

Today, most Audis are available with at least the option of four-wheel drive, while the list of SUVs from the brand includes the Q2, Q3, Q5 and Q7.

AUDI

Target Price cost per month: £199

Target Price: £20,594

The deal: Four years' PCP finance with 6.3% APR and £2150 finance deposit allowance

The Q2 is the smallest SUV Audi makes, and impresses with its high-quality interior and tidy handling. The 30 TFSI petrol engine you get here is most at home in the city, but that doesn't mean longer trips are out of the question.

7: Audi Q2 30 TFSI Sport

Our recommended Sport trim gets you a decent haul of goodies, too, including 17in alloy wheels, sat-nav and cruise control.

7: Audi Q2 30 TFSI Sport - interior

Ford builds some of the most popular cars in the UK, including the Fiesta and Focus hatchbacks.

This success is partly down to longevity and the fact that there’s a Ford dealer around every corner. However, it’s also because Fords tend to offer good value and be among the best cars in their respective classes to drive.

The company’s huge range also helps; it offers everything from the small – but surprisingly practical – Ka+ to the large and lavishly equipped Edge SUV.

Meanwhile, other highlights of the range include the S-Max and Galaxy people carriers, the Mondeo executive car and the Ranger pick-up.

FORD

FIESTA

Target Price cost per month: £181

Target Price: £17,604

The deal: Four years' PCP finance with 1.2% APR and £1000 finance deposit allowance

The Ford Fiesta is consistently the best-selling new car in the UK, and it's easy to see why.

6: Ford Fiesta 1.0 Ecoboost 125 ST-Line

The vast model range ensures there's a version to suit everyone and, despite not being especially practical, its great driving style and generous safety kit ensure the Fiesta is one the best small cars around. This is our recommended version, too.

6: Ford Fiesta 1.0 Ecoboost 125 ST-Line - interior

VITARA

Target Price cost per month:&nbsp;£173

Target Price: £16,965

The deal: Four years' PCP finance with 0% APR

The Vitara can represent real value for money, thanks to its generous standard equipment and spacious interior.

5: Suzuki Vitara 1.0 Boosterjet SZ4

It's also reasonably spacious inside and has a range of capable engines, of which this peppy 1.0-litre turbo petrol is our favourite.

5: Suzuki Vitara 1.0 Boosterjet SZ4 - interior

Mazda can be summed up in a single word: bold. Not only do its cars generally look like nothing else on the market, but it’s also invested heavily in innovative engine technology.

So, while many car makers have moved to smaller turbocharged engines, Mazda instead offers larger motors that are still efficient. For example, the entry-level petrol option in the Mazda 3 is a 2.0-litre unit –&nbsp;far larger than what you’ll find in most rivals – but it remains very clean.

Highlights of Mazda’s line-up include the MX-5 sports car, which has won our Convertible of the Year Award multiple times, and the CX-5 large SUV, which was named as our inaugural best car for dog owners.

MAZDA

MX-5

Target Price cost per month: £176

Target Price: £16,149

The deal: Four years' PCP finance with 3.9% APR and £2000 finance deposit allowance

If you're looking for a sporty car that won't cost you a fortune to buy and run, there's no better choice than the Mazda MX-5.

4: Mazda MX-5 1.5 SE+

It combines a soft-top roof that's quick and easy to fold with hugely entertaining handling and tempting pricing, and it even averages almost 50mpg in real-world conditions.

4: Mazda MX-5 1.5 SE+ - interior

Buyers seeking value for money should have Kia towards the top of their shopping list.

Although once a niche brand in the UK, today Kia outsells many more established brands, helped by its market-leading seven-year warranty and a strong reputation for reliability; in fact, Kia regularly finishes towards the top of our reliability surveys.

There are plenty of models to choose from, too, ranging from the small Picanto city car to the Ceed family hatchback and the Sorento large SUV. The Picanto was the first Kia to win its class at the What Car? Car of the Year awards.

PICANTO

Target Price cost per month: £167

Target Price: £11,645

The deal: Four years' PCP finance with 5.9% APR and £1000 finance deposit allowance

The previous Kia Picanto was an also-ran in the city car class, but this latest model is a clear winner; in fact, it's been named our City Car of the Year for the past two years.

3: Kia Picanto 1.25 '3'

It's spacious by class standards, offers tidy handling and is backed up by Kia's market-leading seven-year warranty. This 3-spec model comes with lots of kit, too, including climate control, cruise control, a rear-view camera and a 7.0in infotainment touchscreen.

3: Kia Picanto 1.25 '3' - interior

OCTAVIA

Target Price cost per month: £195

Target Price: £17,199

The deal: Four years' PCP finance with 4.9% APR and £2500 finance deposit allowance

The Octavia might look a little bland next to rival family hatchbacks, but it's a class leader in most other respects.

2: Skoda Octavia 1.5 TSI SE Drive

It's spacious, good to drive and comes with a generous array of standard equipment. It's so good, in fact, that we named it our Family Car of the Year at the 2019 What Car? Car of the Year Awards.

2: Skoda Octavia 1.5 TSI SE Drive - interior

The VW Group famously spends more money on research and development than any rival – and as a result, perhaps it should be no surprise that our testers rate its cars so consistently highly.

The fact that many of those cars use the same underpinnings also helps, because it means that if they get it right once, they have the foundations to keep on getting it right.

However, the Volkswagen brand faces plenty of tough competition, often from within, because the rapidly rising Seat and Skoda brands that are also part of the group have access to the same technology.

VOLKSWAGEN

POLO

Target Price cost per month: £168

Target Price: £14,729

The deal: Three years' PCP finance with 4.9% APR and £1000 finance deposit allowance

The Volkswagen Polo is the best small car you can buy right now, offering a superb interior that's surprisingly spacious, a peppy range of engines and impressive refinement – all qualities we praise in the larger Golf too.

1: Volkswagen Polo 1.0 TSI 95 SE

This 94bhp turbocharged 1.0-litre petrol engine is the one we recommend for its mix of performance and fuel economy, while SE trim gets you 15in alloy wheels, electric rear windows and a leather steering wheel to go with the already generous standard equipment of S models.

We hope you enjoyed this story. To easily access more like it, why not sign up to receive our email newsletter?&nbsp;What Car?&nbsp;is the UK’s biggest car-buying brand and has been helping Britain’s car buyers make purchasing decisions for over 40 years, and the newsletter will keep you up to date with all our latest stories. And signing up takes less than 30 seconds.&nbsp;<a href="https://rebrand.ly/03wiu8">Click here to sign up</a>

1: Volkswagen Polo 1.0 TSI 95 SE - interior

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