• Coins Icon
    Zero Deposits
  • Sale Tag Icon
    Affordable Finance Deals
  • Trustpilot
    4.9 out of 5 on Trustpilot
  • People Icon
    Reputable Dealerships
  • Home Icon
    Home Delivery Available

Used Car Deals Under £12,000 | Great Value Offers

Searching for cars under £12,000? Explore our available range of flexible PCP and HP finance options.

No impact on your credit score

1-36 of over 1,000 cars

  • Toyota Yaris

1.5 VVT-h Excel E-CVT Euro 6 5dr (15in Alloy) Toyota Yaris

14,300 miles 2015 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Peugeot 208

E- Electric Hatchback GT Peugeot 208

15,403 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • MG Hs

1.5 T-GDI Exclusive Euro 6 (s/s) 5dr MG Hs

56,250 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Suzuki SX4 S Cross

1.4 Boosterjet GPF SZ5 SUV 5dr Petrol Manual ALLGRIP Euro 6 (s/s) (140 ps) Suzuki SX4 S Cross

60,408 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW 7 Series

740Li SE 4dr Auto BMW 7 Series

79,485 miles 2014 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Land Rover Range Rover Evoque

2.0 eD4 SE Tech FWD Euro 6 (s/s) 5dr Land Rover Range Rover Evoque

44,351 miles 2018 Zero Deposit

Home Delivery Available

£12,000
London
£252/month
Example
  • Mercedes Benz A Class

1.6 A160 AMG Line Euro 6 (s/s) 5dr Mercedes Benz A Class

98,206 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW 2 Series

2.0 220d M Sport Coupe 2dr Diesel Auto Euro 6 (s/s) (190 ps) BMW 2 Series

89,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW 3 Series

2.0 320i M Sport Auto Euro 6 (s/s) 4dr BMW 3 Series

83,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Jaguar XE

2.0i R-Sport Auto Euro 6 (s/s) 4dr Jaguar XE

57,874 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Audi Q2

1.4 Tfsi Cod Sport Suv 5dr Petrol Manual Euro 6 (s/s) (150 Ps) Audi Q2

63,794 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Toyota Aygo X

1.0 VVT-i Edge Hatchback 5dr Petrol Manual Euro 6 Toyota Aygo X

30,100 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Audi A1

1.4 TFSI S line Hatchback 3dr Petrol Manual Euro 6 Audi A1

26,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Volkswagen Beetle

1.4 TSi BlueMotion Tech Design Hatchback 3 Door Pe Volkswagen Beetle

43,655 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Nissan Qashqai

1.2 DIG-T N-Connecta SUV 5dr Petrol Manual Euro 6 Nissan Qashqai

22,500 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Maidstone
£252/month
Example
  • Toyota C HR

1.8 VVT-h Dynamic SUV 5dr Euro 6 ULEZ (s/s) (122 ps) Petrol Hybrid CVT Toyota C HR

89,584 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Jaguar XE

2.0i GPF R-Sport Auto Euro 6 (s/s) 4dr Jaguar XE

49,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Slough
£252/month
Example
  • Mercedes Benz SLK

2.1 SLK250d AMG Sport Convertible 2dr Diesel G-Tronic Euro 6 (s/s) (204 ps) Mercedes Benz SLK

39,752 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • Subaru Impreza

2.5 WRX 4dr Subaru Impreza

99,000 miles 2006 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Nissan Leaf

39kWh Tekna Auto 5dr Nissan Leaf

8,423 miles 2024 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Audi Q2

1.6 TDI Sport Euro 6 (s/s) 5dr Audi Q2

46,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Toyota C HR

1.8 VVT-h Dynamic CVT Euro 6 (s/s) 5dr Toyota C HR

88,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Audi Q5

2.0 TDI S line Plus S Tronic quattro Euro 6 (s/s) 5dr Audi Q5

91,000 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Rotherham
£252/month
Example
  • Volkswagen T Roc

1.5 Tsi Evo Sel Suv 5dr Petrol Manual Euro 6 (s/s) (150 Ps) Volkswagen T Roc

89,208 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Vauxhall Corsa

1.2 Turbo GS Hatchback 5dr Petrol Auto Euro 6 (s/s Vauxhall Corsa

54,000 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Volvo S90

2.0 D4 R-Design Auto Euro 6 (s/s) 4dr Volvo S90

102,475 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Mercedes Benz SL

3l 2d AUTO 190 BHP Mercedes Benz SL

71,588 miles 1992 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Fiat Qubo

1.4 Lounge Euro 6 5dr Fiat Qubo

7,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Subaru Impreza

2.0 WRX Saloon 4dr Petrol Manual (219 g/km, 221 bh Subaru Impreza

125,178 miles 2003 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Mercedes Benz A Class

1.5 A180d Sport (Executive) 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz A Class

75,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Skoda Octavia

2.0 TDI SE Estate 5dr Diesel Manual Euro 6 (s/s) (116 ps) Skoda Octavia

91,550 miles 2022 Zero Deposit

Home Delivery Available

£12,000
Slough
£200/month
Example
  • Kia PROCEED

1.6 T-GDi GT Shooting Brake 5dr Petrol DCT Euro 6 Kia PROCEED

27,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Volkswagen Polo

1.0 TSI R-Line DSG Euro 6 (s/s) 5dr Volkswagen Polo

83,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Jaguar XE

2.0d Portfolio Auto Euro 6 (s/s) 4dr Jaguar XE

39,535 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Volkswagen Golf

GOLF GTI MOT 8/26 65K AUTO PSH ULEZ Volkswagen Golf

65,622 miles 2014 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • MINI Convertible

2.0 Cooper S Classic Convertible 2dr Petrol Manual MINI Convertible

50,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example

Have a Different Budget in Mind

Finance Calculator: How Much Can You Afford to Spend On A Car?

£8,000

4 Years

£190.42
48 monthly repayments

Best available rate 6.9%

Total cost of credit £1,140.16

Total repayment £9,140.16

Get a quote No impact on your credit score

Representative example:

Borrowing £9,000 over 60 months with a representative APR of 21.9%, an annual interest rate of 21.9% (Fixed) and a deposit of £0.00, the amount payable would be £238.28 per month, with a total cost of credit of £5,296.90 and a total amount payable of £14,296.90

We’re rated Excellent on Trustpilot

4.9 out of 5 on 4386 Reviews

28
03/12/2025

Bad credit accepted

I had tried to get a car on finance before but was declined Chloe from choose my car managed to get me excepted helped me find a car and was very helpful explaining how everything worked next steps all the way up until picking my car up on the day highly recommend would defo use them again
Shanade
28
11/12/2025

Quick painless process

The service and speed of application to being on the road was outstanding, no long drawn out applications the communication is 100% if you need a car in a hurry use this company. I am super impressed and have drove away in my absolute dream car that I never thought I would have. Thanks again for the amazing service
Sarah Heavisides
28
02/12/2025

Amazing Experience

I’m still looking for the right words, amazing and superb experience. This is my first time getting a car on finance as I was always scared bout my credit score but with James in less than 3 hours I had a car waiting for me 1 mile from my house.  All went smooth answered all my questions and doubts
Osarenokeme Egonmwan
28
25/11/2025

Cracking experiencce

Cracking experience, so quick and Adrian’s communication was spot on, he kept me in the loop at all times. I had chosen my car ,finance was sorted all in 2 days ,very happy customer!
JASON RADDENBURY
28
24/11/2025

Excellent experience

My experience with ChooseMyCar couldn’t have been better. Chris, my personal buyer, was brilliant throughout the whole process. He was friendly, incredibly helpful, and always quick to respond to any questions I had. Thanks to Chris, everything felt easy and stress-free and I’m absolutely thrilled with my new car! I’d definitely recommend ChooseMyCar to anyone looking for a smooth and trustworthy service. Thank you!
Chrissie
28
22/11/2025

Great service, Excellent team

The team were very helpful and very efficient. They helped me find a new car within my budget. Their communication was excellent from start to finish. Great service! Even better team!
Kerrine Guthrie
28
19/11/2025

My experience with ChooseMyCar

My experience with ChooseMyCar was unbelievably great, Anthony dealt with me and was patient with working alongside my budget from the second i called to the second i picked up my new car. I now sit in my 16 player Vauxhall Astra with a smile across my face thanks to the help of him, really did have me wishing we met for the first time at the pub as mates rather than over the phone regarding car finance!
Luka Vaughan
28
09/12/2025

Exemplary service.

I was extremely pleased with the service I received from Lewis and Yara, they were very efficient, helpful and friendly. Lewis put in a lot of work to find me a suitable vehicle and I felt that they both went the extra mile to help me.
Mr Jacob Williams
28
07/11/2025

Fast, Efficient, Hassle Free

I have bad credit but good income. I did not expect to get a car, I did not expect it to be simple or fast, neither did I think I could choose the car I wanted, and I definitely never imagined I could get the car of my dreams! Everything was sorted quickly, almost entirely with a few quick messages, no long phone calls required. TOTAL TRANSPARENCY in the costs involved. Total peace of mind. Excellent reviews, excellent service 👏 Thanks guys!
Luke Rollitt
More Reviews

Cars in Your Area

No Deposit Car Finance for Under £12,000

Zero deposit car finance for cars under £12,000 - no upfront costs and affordable monthly payments to get you driving today. Bad credit is considered.

Bad Credit Car Finance for Under £12,000

Get approved today with flexible terms and affordable monthly payments. Previous defaults, CCJs, and poor credit history are considered.