• 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

  • Skoda Kamiq

KAMIQ 1.0 TSI 110 SE Drive 5dr Skoda Kamiq

55,313 miles 2023 Zero Deposit

Home Delivery Available

£12,000
Northampton
£190/month
Example
  • Audi A1

1.4 Tfsi Cod S Line Sportback 5dr Petrol Manual Euro 6 (s/s) (150 Ps) Audi A1

34,870 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Fiat 500

1.4 Multiair Pop Star Suv 5dr Petrol Dct Euro 6 (s/s) (140 Ps) Fiat 500

16,411 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • MINI Countryman

1.6 Cooper SUV 5dr Petrol Manual Euro 5 (s/s) (122 ps) MINI Countryman

20,636 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • SEAT Ateca

1.0 Tsi Ecomotive Se L Suv 5dr Petrol Manual Euro 6 (s/s) (115 Ps) SEAT Ateca

48,062 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Peugeot 2008

1.2 PureTech GT Euro 6 (s/s) 5dr Peugeot 2008

54,000 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£190/month
Example
  • BMW 3 Series

2.0 330e 12kWh M Sport Auto Euro 6 (s/s) 4dr BMW 3 Series

118,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Milton Keynes
£244/month
Example
  • Toyota C HR

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

90,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Ford Fiesta

1.6T EcoBoost ST-200 Euro 6 3dr Ford Fiesta

52,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Derby
£244/month
Example
  • Citroen C5

1.2 PureTech Shine Plus EAT8 Euro 6 (s/s) 5dr Citroen C5

62,000 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£190/month
Example
  • Audi TT

2.0 TFSI S line S Tronic Euro 6 (s/s) 3dr Audi TT

83,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Maidstone
£244/month
Example
  • Vauxhall Crossland

1.2 Turbo Elite Auto Euro 6 (s/s) 5dr Vauxhall Crossland

29,135 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£190/month
Example
  • Nissan Juke

1.6 N Connecta Suv 5dr Petrol Hybrid Auto Euro 6 (143 Ps) Nissan Juke

21,118 miles 2023 Zero Deposit

Home Delivery Available

£12,000
Manchester
£190/month
Example
  • Audi A3

1.0 TFSI 30 Technik Sportback 5dr Euro 6 ULEZ (s/s) (110 ps) Petrol Manual Audi A3

79,827 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£190/month
Example
  • Volkswagen Golf

1.4 TSI BlueMotion Tech SE Nav Hatchback 5dr Petro Volkswagen Golf

57,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Manchester
£244/month
Example
  • SEAT Leon

LEON 1.5 TSI EVO FR [EZ] 5dr SEAT Leon

37,848 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Volkswagen Polo

1.0 TSI Match Hatchback 5dr Petrol Manual Euro 6 ( Volkswagen Polo

54,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
Manchester
£244/month
Example
  • Ford Fiesta

1.0 Hybrid mHEV 125 Active X 5dr Ford Fiesta

45,000 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£190/month
Example
  • Suzuki Swift

1.0 Boosterjet Gpf Sz5 Hatchback 5dr Petrol Auto Euro 6 (111 Ps) Suzuki Swift

32,040 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Volkswagen Tiguan

2.0 TDI SE Navigation DSG Euro 6 (s/s) 5dr Volkswagen Tiguan

74,600 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Maidstone
£244/month
Example
  • MG HS

Hs Hatchback Excite MG HS

33,928 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£190/month
Example
  • Jeep Compass

1.4t Multiairii Gpf Night Eagle Suv 5dr Petrol Manual Euro 6 (s/s) (140 Ps) Jeep Compass

41,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Vauxhall Mokka

Hatchback Elite Nav Vauxhall Mokka

28,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Land Rover Discovery Sport

2.0 TD4 HSE Luxury Auto 4WD Euro 6 (s/s) 5dr Land Rover Discovery Sport

73,981 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Volkswagen Golf

1.5 TSI EVO GT Hatchback 5dr Petrol DSG Euro 6 (s/ Volkswagen Golf

70,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Manchester
£244/month
Example
  • Audi A4

1.4 TFSI S line Saloon 4dr Petrol Manual Euro 6 (s Audi A4

49,894 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Birmingham
£244/month
Example
  • Mazda 2

1.5 e-SKYACTIV G MHEV Centre-Line Hatchback 5dr Pe Mazda 2

32,268 miles 2024 Zero Deposit

Home Delivery Available

£12,000
Bury
£190/month
Example
  • BMW 1 Series

2.0 120d M Sport Shadow Edition Hatchback 3dr Dies BMW 1 Series

80,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Manchester
£244/month
Example
  • SEAT Leon

1.5 TSI EVO FR Black Edition DSG Euro 6 (s/s) 5dr SEAT Leon

76,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Mercedes Benz CLA

2.1 CLA200d AMG Line Coupe 4dr Diesel Manual Euro Mercedes Benz CLA

64,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Jaguar XE

2.0 D180 R-Dynamic S Auto Euro 6 (s/s) 4dr Jaguar XE

79,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£244/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
£244/month
Example
  • Kia Stonic

1.0 T Gdi 4 Suv 5dr Petrol Manual Euro 6 (s/s) (118 Bhp) Kia Stonic

29,994 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • MINI Hatch

2.0 COOPER S 5 DOOR AUTO 189 BHP (EURO 6) Leather MINI Hatch

58,922 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£244/month
Example
  • Volkswagen Golf

1.5 TSI EVO Match Hatchback 5dr Petrol Manual Euro Volkswagen Golf

46,794 miles 2019 Zero Deposit

Home Delivery Available

£12,000
York
£244/month
Example
  • Mercedes Benz C-Class

2.1 C250d AMG Line 7G-Tronic+ (s/s) 4dr Mercedes Benz C-Class

99,290 miles 2016 Zero Deposit

Home Delivery Available

£12,000
West Bromwich
£244/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 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £229.95 per month, with a total cost of credit of £4,797.00 and a total amount payable of £13,797.00

We’re rated Excellent on Trustpilot

4.9 out of 5 on 5116 Reviews

28
24/06/2026

Great company with friendly staff

I had a really good experience with this company. They didn’t bombard me with messages and phone calls which is why I decided to use them. I dealt with Kieran Slade throughout and he was very thorough, friendly and polite. He kept me up to date with the progress of sorting the car and the finance. Nothing was too much trouble and he answered all my questions. Kieron went out of his way to get the best price for my part ex. Would definitely use this company again.
Julie McEvoy
28
24/06/2026

Very easy process

This was the first time I bought a new car on finance. The process was very easy and quick. Good communication throughout, highly recommended.
BK
28
24/06/2026

Exellent throughout my experience and…

Exellent throughout my experience and for Achley he was amazing highly recommended
MR EIFION EDWARDS
28
23/06/2026

So far my experience with Choose my car…

So far my experience with Choose my car has been painless and easy. Sully is very helpful and sorted my finance approval without much fuss. Would definitely recommend.
Joanne Hughes
28
23/06/2026

Recommend 100%

What can I say apart from absolutely amazing service, sully who was helping me find my car constantly stayed in contact with me and helped me find my car after alot of searching.Sully was so helpful and patient with all my questions which believe me were alot nothing was to much and he took it all in his stride. Sully really did help me find the best deal and I would 100% recommend chose my car for anyone looking for a good deal and great knowledge. So just want to say thank you
Cherie
28
23/06/2026

Great service

Great service, lewis was very helpful, it went so smoothley brillent im over the moon with my car,thank you
Jackie Bridgen
28
22/06/2026

Service was spot on.

From the moment I enquired, service was spot on. Polite staff. Didn't pester me, gave me time to make my mind up. Can't fault them.
Michele F.
28
22/06/2026

Very good communication from Chris

Very good communication from Chris, not pushy at all. Gave him clear guidance what I wanted (although probably annoying on my behalf) he filtered through and found my perfect car. Very friendly, no hassle and everything was sorted for me. Really happy and Choose my Car are now looking at a van for my husband. Thanks again.
Beth
28
22/06/2026

Sully helped me so much

Sully helped me so much, made my process quick and easy. compared to other mishaps with companies in the past this was a great experience
Celicia Johnson
28
21/06/2026

This was the easiest financial process…

This was the easiest financial process I’ve ever gone through. AJ was awesome constantly keep me updated and easy to get hold of. I would certainly use choose my car again. Don’t hesitate to contact them and let them organise everything for you, simple!!
Daniel Orchard
28
20/06/2026

Every thing went on fast and smooth

Every thing went on fast and smooth, I got the car within 24 hours, customer service was awesome.
Prince Antwi
28
20/06/2026

When I first called to speak to Harry

When I first called to speak to Harry . He was supportive from Day one and demonstrated a strong customer service skills with advice from him when the first Honda Silver colour has been sold, he help search for same type and sent them to me. I was happy with his services. Also other staffs of ChooseMyCar because they way they talk on the phone is extremely helpful.
Mr pastor remi alabi
28
20/06/2026

I was referred to Choose my car by the dealership

I was referred to Choose my car by the garage I was interested in buying the car from & I am ao pleased I clicked the link ! Samantha was my calm on the end of the line, I can not remember the last time I dealt with such a professional person. She took charge, sent everything over when she said she would, dealt directly with the dealership... took all the pressure off me & all completed in under an hour ! Samantha even sent me a message when she was notified I'd collected the car ! And absolute dream company to deal with, and Samantha is a real credit to them ! These guys go above & beyond ... try them, you'll not be disappointed!
Michelle Toop
28
19/06/2026

Great service and communication

Great service and communication, very helpful, sorted my car in two days, very easy process , not much paper work , highly recommended 👍👍👍
Sajjad Ahmed
28
18/06/2026

Been bbgreat help fast very helpful and…

Been great help fast very helpful and polite at all times ,im very happy with car thank you very much joel
ruth longden
28
17/06/2026

Amazing Great Staff.

The Staff Was Amazing Brilliant Patient So A Big Great Appropriation Of Thank You To Chioe Then To Emily And Chris Who Finished Of The Task In Finding My SUV Great Work.
Shaun Bicette
28
17/06/2026

Great experience

My experience with ChooseMyCar has been absolutely fantastic. Samantha helped and guided me all the way through, explaining everything in detail. Couldn’t have asked for any better help thank you Samantha.
Marwan Jamal
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.