Patience is a great thing. But sometimes so is getting a new car that you really want. And with Personal Contract Purchase – PCP – you can buy a great car for under £200 a month.

Here we asked car experts What Car? to rate their top half dozen, taking into account that the deal is based on 15% of the car’s value, along with the manufacturer discount. We’ve assumed three years and 30,000 miles as the other numbers.

1. Audi A3 1.0 TFSI SE 3dr

Target Price cost per month: £198 Target Price (on the road): £16,481 The deal: 3 years PCP finance with 6.3% APR and £2300 finance deposit allowance

Well, you just would, wouldn’t you? If you are somehow a touch short of about £20,000 in cash and so can’t buy a new one, you might well be tempted to get one on PCP for under £200pcm. The SE trim gives you more than enough, and it also gives you that beautiful and classy cabin, low running costs as well as excellent handling and a wide range of frugal yet potent engines.

2. Skoda Fabia 1.2 TSI 90 SE

Target Price cost per month: £163 Target Price (on the road): £12,804 The deal: 3 years PCP finance with 2.9% APR and £1500 finance deposit allowance

For £163 you can buy a car which is not only the best small hatchback on the market but also a practical, well-built machine that in its own right has won the Car of the Year awards from What Car?.

3. Ford Fiesta ST-2

Target Price cost per month: £182 Target Price (on the road): £16,314 The deal: 3 years PCP finance with 2.9% APR and £700 finance deposit allowance

Handling is key here, something which is is great even on the base vehicle so this ST is just a hoot to hoon around in. The 1.6-litre engine is quick enough but not so powerful it overwhelms the excellent chassis.

4. Seat Ateca 1.0 TSI Ecomotive S

Target Price cost per month: £192 Target Price (on the road): £17,542 The deal: 3 years PCP finance with 4.8% APR

We’ve chosen the 1.0-litre engine which is pretty good, but you might prefer the more potent 1.4-litre version. Either way, you can drive around in the newest and best mid-sized SUV which is winning accolades all over the shop. All that for less than £200 a month.

5. Hyundai i10 1.2 Premium

Target Price cost per month: £158 Target Price (on the road): £10,323 The deal: 3 years PCP finance with 6.9% APR and £500 finance deposit allowance

Small on the outside, big on the inside – what more could you want in a city car? In this case you also want the smooth and quiet running, the long warranty and the knowledge that What Car? says this is the City Car of the Year. All for a whisker over £150 a month.

6. Volkswagen Up 1.0 90 Beats 3dr

Target Price cost per month: £187 Target Price (on the road): £11,002 The deal: 3 years PCP finance with 6.5% APR

VW shows with the Up that because a car is small it doesn’t have to be any less refined, classy or comfortable than its bigger siblings. Just get with the Beats.