• 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

  • Tesla Model-3

Dual Motor Long Range Auto 4WDE 4dr Tesla Model-3

142,000 miles 2020 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
  • Hyundai i20

1.0 T-GDi MHEV SE Connect Euro 6 (s/s) 5dr Hyundai i20

18,000 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Citroen Relay

2.2 HDi 35 Enterprise Edition Citroen Relay

49,719 miles 2023 Zero Deposit

Home Delivery Available

£12,000
Wolverhampton
£200/month
Example
  • Land Rover Discovery Sport

2.0 SD4 HSE Black Auto 4WD Euro 6 (s/s) 5dr Land Rover Discovery Sport

87,000 miles 2018 Zero Deposit

Home Delivery Available

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

1.7 110 CDI Progressive FWD L2 Euro 6 (s/s) 5dr Mercedes Benz Vito

73,410 miles 2020 Zero Deposit

Home Delivery Available

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

2.0 320 EcoBlue Trend L2 H1 Euro 6 (s/s) 5dr Ford Transit

69,191 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Citroen C3

1.2 PureTech Shine Plus EAT6 Euro 6 (s/s) 5dr Citroen C3

15,638 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/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
  • 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
  • MINI Paceman

1.6 Cooper S Auto ALL4 Euro 5 3dr MINI Paceman

34,444 miles 2016 Zero Deposit

Home Delivery Available

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

35 L3H2 ENTERPRISE BLUEHDI S/S Citroen Relay

44,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • MINI Hatch

1.5 Cooper Sport Euro 6 (s/s) 3dr MINI Hatch

49,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Honda Accord

2.4 i-VTEC Type S - RARE JDM MODEL - MODIFIED Honda Accord

67,000 miles 2012 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW 5 Series

2.0 528i Luxury Auto Euro 6 (s/s) 4dr BMW 5 Series

57,000 miles 2014 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Renault Captur

1.3 TCe Iconic Edition Euro 6 (s/s) 5dr Renault Captur

24,000 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/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
  • SEAT Arona

1.0 TSI FR DSG Euro 6 (s/s) 5dr SEAT Arona

39,575 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • MG ZS

1.0 T-GDI Exclusive Euro 6 5dr MG ZS

45,953 miles 2023 Zero Deposit

Home Delivery Available

£12,000
Newport
£200/month
Example
  • Mitsubishi Outlander

2.4h TwinMotor 13.8kWh 4h CVT 4WD Euro 6 (s/s) 5dr Mitsubishi Outlander

72,800 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Honda Civic

1.8 i-VTEC SR Auto Euro 6 5dr Honda Civic

36,591 miles 2016 Zero Deposit

Home Delivery Available

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

1.5 Cooper Euro 6 (s/s) 5dr MINI Countryman

71,000 miles 2017 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
£252/month
Example
  • Toyota Hi Lux

Active 2.4 4X4 D-4D Single Cab Toyota Hi Lux

119,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Shrewsbury
£252/month
Example
  • Ford Transit

2.0 350 EcoBlue Panel Van 5dr Diesel Manual RWD L3 H3 Euro 6 (130 ps) Ford Transit

51,431 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW 4 Series

420D SPORT GRAN COUPE BMW 4 Series

62,300 miles 2016 Zero Deposit

Home Delivery Available

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

1.5 BlueHDi 850 Professional Premium Long Crew Van LWB Euro 6 6dr Peugeot Partner

41,000 miles 2022 Zero Deposit

Home Delivery Available

£12,000
Harlow
£200/month
Example
  • SEAT Arona

1.0 TSI XCELLENCE Lux DSG Euro 6 (s/s) 5dr SEAT Arona

41,750 miles 2018 Zero Deposit

Home Delivery Available

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

2.0 TDI SE Technology Skoda Superb

71,000 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 320 EcoBlue Trend L2 H1 Euro 6 (s/s) 5dr Ford Transit

71,899 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£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
  • Ford Fiesta

1.0T EcoBoost Titanium Powershift Euro 6 5dr Ford Fiesta

11,600 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Chesterfield
£252/month
Example
  • Mercedes Benz eVito

116 e 66kWh Progressive Auto FWD L2 6dr (LWB) Mercedes Benz eVito

17,032 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Ford Transit

2.0 TDCi, CREWCAB, 7 SEATER, DOUBLE CAB Ford Transit

90,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Hyundai Tucson

1.6 CRDi Premium SE Euro 6 (s/s) 5dr Hyundai Tucson

72,675 miles 2018 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Audi TT

2.0 TDI ultra S line Audi TT

52,000 miles 2016 Zero Deposit

Home Delivery Available

£11,999
Perth
£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.