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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

  • MINI Convertible

2.0 John Cooper Works Euro 6 (s/s) 2dr MINI Convertible

50,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Volvo XC40

2.0 D3 Momentum Suv 5dr Diesel Manual Euro 6 (s/s) (150 Ps) Volvo XC40

92,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Leicester
£252/month
Example
  • Land Rover Discovery 4

3.0 SD V6 XS Station Wagon 5dr Diesel Auto 4WD (s/s) (213 g/km, 255 bhp) Land Rover Discovery 4

96,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/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
£252/month
Example
  • Suzuki Swift

1.2 Dualjet MHEV SZ-L Hatchback 5dr Petrol Hybrid Manual Euro 6 (s/s) (83 ps) Suzuki Swift

20,807 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Toyota Voxy

1.8 PETROL HYBRID AUTO 7 SEATS ULEZ Toyota Voxy

87,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Birmingham
£252/month
Example
  • Mercedes Benz CLA

1.6 CLA200 AMG Line Edition Coupe 4dr Petrol Manua Mercedes Benz CLA

65,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/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
£252/month
Example
  • Audi A3

1.5 TFSI CoD Black Edition Sportback 5dr Petrol Ma Audi A3

74,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Jaguar F Pace

2.0 Portfolio AWD Diesel Automatic PANO ROOF-HEATE Jaguar F Pace

89,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Land Rover Discovery Sport

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

75,000 miles 2018 Zero Deposit

Home Delivery Available

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

2.0 TDI Life Euro 6 (s/s) 5dr Volkswagen Golf

80,000 miles 2020 Zero Deposit

Home Delivery Available

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

2.0 TD4 HSE Dynamic Auto 4WD Euro 6 (s/s) 5dr Land Rover Range Rover Evoque

73,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Dacia Sandero Stepway

1.0 Tce Expression Hatchback 5dr Petrol Manual Euro 6 (s/s) (90 Ps) Dacia Sandero Stepway

19,463 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Land Rover Range Rover Evoque

2.0 TD4 SE Tech Auto 4WD Euro 6 (s/s) 5dr Land Rover Range Rover Evoque

65,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Abarth 124-spider

1.4 MultiAir Convertible 2dr Petrol Auto Euro 6 (1 Abarth 124-spider

101,211 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Audi A5

2.0 TDI ultra S line Sportback 5dr Diesel Manual E Audi A5

91,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Citroen Spacetourer

1.6 BlueHDi Business M MPV 5dr Diesel ETG6 MWB Eur Citroen Spacetourer

73,082 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW 1 Series

1.5 118i M Sport Hatchback 5 Door Petrol Manual Eu BMW 1 Series

50,983 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Ford Kuga

1.5T EcoBoost Titanium X Edition Auto AWD Euro 6 (s/s) 5dr Ford Kuga

57,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Kia Sportage

1.6 GDi Edition 25 Euro 6 (s/s) 5dr Kia Sportage

54,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • SEAT Ateca

1.5 TSI EVO SE Technology DSG Euro 6 (s/s) 5dr SEAT Ateca

62,987 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Kia PROCEE'D

1.6 CRDi GT-Line Shooting Brake 5dr Diesel DCT Eur Kia PROCEE'D

59,361 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 TD4 HSE Dynamic Auto 4WD Euro 6 (s/s) 5dr Land Rover Range Rover Evoque

60,044 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • SEAT Ibiza

1.0 TSI SE Hatchback 5dr Petrol Manual Euro 6 (s/s SEAT Ibiza

34,795 miles 2023 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
  • BMW 4 Series Gran Coupe

2.0 420i M Sport Euro 6 (s/s) 5dr BMW 4 Series Gran Coupe

57,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Rotherham
£252/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
  • MG HS

1.5 T-GDI 16.6kWh Exclusive Auto Euro 6 (s/s) 5dr MG HS

47,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Maidstone
£200/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
  • Ford Fiesta

1.0T EcoBoost ST-Line X Euro 6 (s/s) 5dr Ford Fiesta

28,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Newport
£252/month
Example
  • Suzuki Vitara

1.4 Boosterjet SZ5 SUV 5dr Petrol Manual ALLGRIP Euro 6 (s/s) (140 ps) Suzuki Vitara

57,379 miles 2019 Zero Deposit

Home Delivery Available

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

1.5 Cooper Classic Hatchback 5dr Petrol Steptronic MINI Hatch

43,018 miles 2019 Zero Deposit

Home Delivery Available

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

1.4 TSI BlueMotion Tech GT Estate 5dr Petrol DSG Euro 6 (s/s) (150 ps) Volkswagen Golf

46,146 miles 2016 Zero Deposit

Home Delivery Available

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

1.0 TSI Life Hatchback 5dr Petrol Manual Euro 6 (s Volkswagen Golf

63,715 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/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 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
28
01/03/2026

Reece was excellent!

Reece was excellent. As was his colleague, great car and fair price. Finance was transparent so i knew how much choosemycar were making on the deal, which i appreciated!
Harry
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