Best SUVs for less than £200 per month

  • Plenty of choice of SUVs in the UK
  • Small and medium-sized SUVs in this price range
  • Desirable brands included in this list

When people think of big, powerful, off-roadery SUVs, Land Rover Defenders scrabbling up slippy Scottish slopes are often what the brain goes to.

This romanticized vision of an outdoor lifestyle vehicle is quite far away from reality for most people. Most people don't live in Skye or Lewis, they live in Southampton or Leicester. And most people also can't afford the £40k+ to put a Defender on their driveway.

For roughly half the monthly cost of a Defender, however, people can get something with the right image. Plus, the SUVs in this price range are smaller and more frugal, making them feel more at home in the suburbs and the cities.

This list comprises both leasing and PCP finance deals.

Leasing (officially referred to as PCH or Personal Contract Hire) is essentially a long-term rental. You pay an initial deposit, monthly payments, then simply hand the car back.

PCP (Personal Contract Purchase) is the most popular type of car finance. You pay a deposit, a series of monthly payments, then, it's up to you to decide if you want to buy the car outright with a final (sometimes called balloon) payment, or chop it in for a new car.

Best SUVs for less than £200 a month

LEASE: Nissan Qashqai

Best new car for £200 a month for: crossover vibes

2019 Nissan Qashqai

The Nissan Qashqai really kicked off the mini-SUV craze when it hit the roads in 2007. And it's even more popular today. How popular? Well, it was the sixth bestselling car of 2019.

Drivers buy the Qashqai for its high driving position that gives them a commanding view of the road ahead. And it's not all that much larger than a regular hatchback either - making it easy to park and generally easy to live with. 

This deal is for mid-spec N-Connecta models. These come with 18-inch alloy wheels, parking assist, and a blind spot warning system.*

Leasing price: from £187 per month


LEASE: Renault Kadjar

Best new car for £200 a month for: space

2019 Renault Kadjar rear

The Kadjar is essentially a bigger and bolder looking Nissan Qashqai. We're not speaking figaratively either. Remove the curvaceous bodywork and you'll find the same basic mechanical structure as the Nissan.

Renault's car is longer, resulting in more boot space and a bit more room in the rear seats.

This specific deal is for S Edtion models, which are one step below top spec. Your sub £200 per month gets you a lane departure warning system, rear view parking camera, and a panoramic sunroof.*

Leasing price: from £184 per month


LEASE: Skoda Kamiq

Best new car for £200 a month for: simplicity

Skoda Kamiq 2019 front

What sets the Kamiq apart from other cars of this ilk is that despite its size, it feels properly grown up. Everything feels reassuringly solid, and there are loads of engine and trim options depending on how deep your pockets are. It looks tall in pictures - but it isn't. If you're after a small SUV, which isn't that much taller than a regular hatchback, this is your best bet.

Your £200 stretches to a few different versions. We'd reccomend going ever so slightly over budget to get into an SE L model with a virtual cockpit system borrowed from Audi. It replaces traditional dials behind the steering wheel with a very posh and modern looking screen. *

Leasing price: from £178 per month

*These deals are indicative examples of some packages available as of 2 March 2020 but are subject to change without prior notice. Everyone’s financial circumstances are different, and the availability of credit is subject to status. Terms, conditions and exclusions apply. Parkers cannot recommend a deal for you specifically. Bauer Consumer Media Limited is an appointed representative of ZenAuto Limited for the broking of regulated hire agreements. ZenAuto Limited is authorised and regulated by the Financial Conduct Authority. ZenAuto Limited's registered office is Number One, Great Exhibition Way, Kirkstall Forge, Leeds LS5 3BF. ZenAuto Limited's company registration number is 10967345. ZenAuto is the trading name of ZenAuto Limited. Terms, conditions and exclusions apply.


PCP: Seat Arona

Best new car less than £200 a month for: a small and Spanish SUV

2017 Seat Arona front

Seat's littlest SUV has been on sale since 2018, but it still looks fresh. It''s very easy to get in and out of, and it's just that bit sportier than other small SUVs. You can even get it with a 150hp with a manual gearbox.

While the APR rate is on the high side,a £1,500 deposit contribution keeps the price at below £200 per month.**

Seat Arona 1.0 TSI 95 SE

  • Monthly cost: £199 (47 payments)
  • Deposit: £2,279 (including £1,500 manufacturer deposit contribution)
  • Total amount payable by customer to buy car: £18,707.28
  • Cash price: £17,700
  • Mileage allowance: 9,000 miles per year
  • APR: 6.1% 

Seat Arona PCP deal

PCP: Renault Captur

Best new car under £200 a month for: zero deposit and 0% APR

Renault Captur rear

Much like the Arona above, the Captur is at a reduced price because it's getting on a bit. In fact, there's a new Captur out. So these deals for the old one won't hang around forever.

It's a solid mini-SUV from Renault, and a popular choice for people who find getting in and out of a car easier because it's slightly higher up. Plus it's softly sprung and generally very comfortable on the move.

There are two options here for sub £200 - neither of which require a deposit. Both have the same 90hp petrol engine, but the Iconic (£199) has more kit than the Play (£179).**

Renault Captur Play TCe 90

  • Monthly cost: £179 (48 payments)
  • Deposit: £0 (including £1,874 manufacturer deposit contribution)
  • Total amount payable by customer to buy car: £15,730
  • Cash price: £15,730
  • Mileage allowance: 6,000 miles per year
  • APR: 0% 

Renault Captur PCP deal


PCP: Jeep Renegade

Best new car under £200 a month for: American ruggedness

2018 Jeep Renegade

The Jeep Renegade is a small SUV from an American brand famous for its large 'n' brawny off-roaders.

This Jeep, however, is much better suited to European tastes than its bigger offerings. The Renegade is still rugged looking, with unpainted plastic mouldings around the wheelarches, but it's a tidler, making it easier for parking and city driving. Inside, it's not quite up to what you'd get in the similarly sized Volkswagen T-Cross, but you do at least get a decent amount of kit.

Jeep's generous £4,000 deposit contribution, teamed with a 0% APR deal, brings the price of a Night Eagle edition to £195.**

Jeep Renegade Night Eage 1.0 120hp

  • Monthly cost: £195 (24 payments)
  • Deposit: £4,462 (including £4,000 manufacturer deposit contribution)
  • Total amount payable by customer to buy car: £19,445
  • Cash price: £23,445
  • Mileage allowance: 10,000 miles per year
  • APR: 0% 

Jeep Renegade PCP deal

What to read next - car finance

And you can check out the best deals for all budgets below:

Looking to learn more about car finance? Watch our video guides to PCP financePCH leasing and Hire Purchase, or visit our car finance calculator to find out how much you can afford to borrow.

** These deals are indicative examples of some packages available as at 2 March 2020, but are subject to change without prior notice. Everyone's financial circumstances are different and the availability of credit is subject to status. Terms, conditions and exclusions apply. Parkers cannot recommend a deal for you specifically.

Bauer Consumer Media Limited is an appointed representative of ZenAuto Limited for the broking of regulated consumer hire agreements. ZenAuto Limited is authorised and regulated by the Financial Conduct Authority. ZenAuto Limited's registered office is Number One, Great Exhibition Way, Kirkstall Forge, Leeds LS5 3BF. ZenAuto Limited's company registration number is 10967345. ZenAuto is the trading name of ZenAuto Limited.