New Cars available for under £200 per month.
Explore our latest new cars for less than £200 a month and find a deal that suits you.
Total cash price £18,725. Borrowing £16,725 with a £2,000 deposit at a representative APR of 12.9%.
- Fixed rate of interest
- 6.72%
- 48 monthly payments
- £317.79
- Total amount payable
- £24,955.00
- Cost of credit
- £6,230.00
- Optional final payment
- £8,018.87
- Duration of agreement
- 48 months
- Annual mileage limit
- 10,000 miles
- Excess mileage charge
- 5.29p /mile
- Option-to-purchase fee
- £0
Results
£2,137 Deposit Contribution
PLUS 113hp Urban Range auto with 30kwh battery
Up to 130-Mile Range, 10.25" Touchscreen, 17" Alloys, Head-Up Display
- Electric
- Automatic
£199/MonthPCP
£4,999 Customer deposit
£17,858
£655 Deposit Contribution
COLLECTION Turbo 100 hp manual
10.25" Touchscreen, Head-Up Display, Reversing Camera, 17" Alloys
- Petrol
- Manual
£109/MonthPCP
£4,999 Customer deposit
£19,215
£595 Deposit Contribution
MAX Pure tech Turbo 100 S&S 6 speed manual
Auto Air Con, 3D Sat Nav, Wireless Charging, 17" Diamond-Cut Alloys
- Petrol
- Manual
£129/MonthPCP
£5,499 Customer deposit
£20,175
£2,039 Deposit Contribution
COLLECTION 113hp Standard Range automatic
Up to 202-Mile Range, Reversing Camera, Head-Up Display, 17" Alloys
- Electric
- Automatic
£169/MonthPCP
£5,499 Customer deposit
£20,676
£1,374 Deposit Contribution
COLLECTION Turbo 100 hp manual
Auto Air Con, Reversing Camera, Wireless CarPlay, 17" Alloys
- Petrol
- Manual
£89/MonthPCP
£5,499 Customer deposit
£21,121
£647 Deposit Contribution
COLLECTION Hybrid 110 hp automatic
10.25" Touchscreen, Head-Up Display, Reversing Camera, 17" Alloys
- Petrol
- Automatic
£129/MonthPCP
£5,499 Customer deposit
£21,333
£2,249 Deposit Contribution
MAX 113 hp Standard Range auto with 44 kwh battery
Up to 202-Mile Range, Heated Seats & Wheel, Wireless Charging, Auto Air Con
- Electric
- Automatic
£199/MonthPCP
£5,699 Customer deposit
£21,566
£1,469 Deposit Contribution
MAX Turbo 100 manual
3D Sat Nav, Heated Wheel, Wireless Charging, Blind Spot Detection
- Petrol
- Manual
£99/MonthPCP
£5,999 Customer deposit
£22,226
£2,829 Deposit Contribution
MAX 113 hp 83KW Electric Vehicle with 44 kwh battery Standard range
Up to 188-Mile Range, 3D Sat Nav, Heated Wheel, Blind Spot Detection
- Electric
- Automatic
£119/MonthPCP
£5,999 Customer deposit
£22,286
£833 Deposit Contribution
MAX Hybrid 110 e-DCS6 auto
Heated Seats & Wheel, 3D Sat Nav, Wireless Charging, Auto Air Con
- Petrol
- Automatic
£159/MonthPCP
£5,799 Customer deposit
£22,323
£3,039 Deposit Contribution
COLLECTION 113hp Extended Range automatic
Up to 249-Mile Range, Keyless Entry, Auto Air Con, 10.25" Touchscreen
- Electric
- Automatic
£99/MonthPCP
£5,999 Customer deposit
£22,776
£3,199 Deposit Contribution
MAX 113hp Extended range auto
Up to 249-Mile Range, 3D Sat Nav, Heated Wheel, Blind Spot Detection
- Electric
- Automatic
£129/MonthPCP
£5,999 Customer deposit
£23,816
£1,589 Deposit Contribution
COLLECTION Hybrid 145 e-DCS6 automatic
Keyless Entry, Auto Air Con, Reversing Camera, 17" Alloys
- Petrol
- Automatic
£119/MonthPCP
£6,499 Customer deposit
£24,661
£1,699 Deposit Contribution
MAX Hybrid 145 e-DCS6 6 speed auto
3D Sat Nav, Heated Wheel, Wireless Charging, Blind Spot Detection
- Petrol
- Automatic
£149/MonthPCP
£6,499 Customer deposit
£25,751
£4,589 Deposit Contribution
PLUS Electric 210hp Comfort Range Auto
Up to 323-Mile Range, 3D Sat Nav, Keyless Entry, 180° Camera
- Electric
- Automatic
£99/MonthPCP
£8,499 Customer deposit
£32,136
£4,704 Deposit Contribution
MAX E lectric 210hp Comfort Range Auto
Up to 323-Mile Range, Matrix LED Lights, Heated Seats & Wheel, 360° Camera
- Electric
- Automatic
£99/MonthPCP
£9,299 Customer deposit
£34,661
Total cash price £18,725. Borrowing £16,725 with a £2,000 deposit at a representative APR of 12.9%.
- Fixed rate of interest
- 6.72%
- 48 monthly payments
- £317.79
- Total amount payable
- £24,955.00
- Cost of credit
- £6,230.00
- Optional final payment
- £8,018.87
- Duration of agreement
- 48 months
- Annual mileage limit
- 10,000 miles
- Excess mileage charge
- 5.29p /mile
- Option-to-purchase fee
- £0
New cars under £200 a month are brand new vehicles on a finance agreement where the monthly repayment is £200 or less. The good news is that your monthly figure is something you can shape. Your deposit, the length of the agreement and your annual mileage all work together, so the same car can sit comfortably within a £180 budget or a £240 one depending on how you'd like the deal built.
That flexibility puts you firmly in the driving seat, and our team will happily talk you through the options until the numbers feel right for you.
We've been helping drivers across Lancashire and Greater Manchester into brand new cars since 1989. Browse the latest deals below, or read on to see exactly how each part of an agreement shapes your monthly payment.
Four simple ways to shape your monthly payment
What you can adjust | To lower your monthly payment | Worth knowing |
|---|---|---|
Deposit | Put a little more in up front | Part exchange equity counts towards this, so you may already have more deposit than you think |
Term length | Choose 48 or 60 months | A longer agreement lowers the monthly payment; the total interest paid is higher |
Annual mileage | Match the allowance to how you actually drive | Paying only for the miles you need keeps the payment lean |
Finance type | Choose PCP over Hire Purchase | PCP spreads the cost differently, with an optional final payment if you'd like to own the car |
Adjust just two of these and most cars in our new range come in comfortably under £200 a month. Adjust all four and you'll have plenty of room to spare.
A useful rule of thumb: adding twelve months to your term, or a few hundred pounds to your deposit, usually moves the monthly figure further than switching to a smaller car would. So you may well be able to have the car you actually want, at the payment you had in mind.
Frequently asked questions
It depends on deposit, term and mileage rather than on the car alone. Small hatchbacks and city cars are the most consistent route under £200, though compact SUVs often qualify too when a manufacturer deposit contribution is running. Current examples at Chorley Group with full finance details are listed on this page.
There's no fixed figure. A larger deposit lowers the monthly payment, and part exchange equity counts towards it. Some agreements are available with no deposit at all, though the monthly payment will be higher. Our team can model several deposit levels against the same car so you can see the effect directly.
For a brand new car with a full manufacturer warranty, £200 a month is competitive in the current market - particularly on PCP, and particularly where a manufacturer deposit contribution or 0% APR offer is in play. Compare the total amount payable as well as the monthly figure before deciding.
On some agreements, yes. Zero-deposit deals exist, but they push the monthly payment higher for the same car, which means the £200 ceiling usually limits you to smaller models. Part exchanging your current car is often the easier route to the same outcome.
No. Our eligibility check uses a soft search, which is visible to you but not to other lenders and leaves no mark on your credit file. Only a full application, made once you've chosen a car, involves a hard credit search.
At Chorley Group, we have dealerships across Lancashire and Greater Manchester, and stock can usually be transferred between sites.