Used Cars Under £12,000 – No Deposit & Bad Credit

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

  • Volkswagen Golf

2.0 TDI R-Line Edition Hatchback 5dr Diesel Manual Volkswagen Golf

81,180 miles 2020 Zero Deposit

Home Delivery Available

£12,000
Liverpool
£200/month
Example
  • BMW 1 Series

2.0 118d M Sport Hatchback 5dr Diesel Auto Euro 6 BMW 1 Series

77,050 miles 2017 Zero Deposit

Home Delivery Available

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

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

31,305 miles 2016 Zero Deposit

Home Delivery Available

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

1.0 IG-T 92 Acenta 5dr (Apple Nissan Micra

5,183 miles 2022 Zero Deposit

Home Delivery Available

£12,000
Preston
£200/month
Example
  • Renault Kadjar

1.3 TCE Iconic 5dr (Navigation Renault Kadjar

27,824 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 D180 Portfolio Auto AWD Euro 6 (s/s) 5dr Jaguar F Pace

102,000 miles 2017 Zero Deposit

Home Delivery Available

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

DIG-T TEKNA DCT Nissan Juke

10,750 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Birmingham
£200/month
Example
  • Vauxhall Corsa

1.2 Gs Hatchback 5dr Petrol Manual Euro 6 (75 Ps) Vauxhall Corsa

29,643 miles 2023 Zero Deposit

Home Delivery Available

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

2.0 TDI BlueMotion Tech SEL SUV 5dr Diesel DSG Eur Volkswagen Tiguan

95,000 miles 2016 Zero Deposit

Home Delivery Available

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

1.5 EcoBlue Titanium SUV 5dr Diesel Manual Euro 6 Ford Kuga

71,275 miles 2020 Zero Deposit

Home Delivery Available

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

2.0 TDI BlueMotion Tech GTD Volkswagen Golf

80,080 miles 2016 Zero Deposit

Home Delivery Available

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

1.5 Cooper Classic Hatchback 3dr Petrol Manual Eur MINI Hatch

43,195 miles 2020 Zero Deposit

Home Delivery Available

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

1.0 TSI EVO SE Technology Euro 6 (s/s) 5dr SEAT Arona

34,000 miles 2021 Zero Deposit

Home Delivery Available

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

2.2 TDCi 460 HDT Trend Minibus 4dr Diesel Manual L Ford Transit

90,079 miles 2015 Zero Deposit

Home Delivery Available

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

1.0 TSI FR Hatchback 5dr Petrol DSG Euro 6 (s/s) ( SEAT Ibiza

59,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Volvo XC60

2.0 D4 SE Lux Nav SUV 5dr Diesel Manual Euro 6 (s/ Volvo XC60

66,624 miles 2016 Zero Deposit

Home Delivery Available

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

2.1 C250d AMG Line (Premium Plus) Estate 5dr Diese Mercedes Benz C Class

100,500 miles 2016 Zero Deposit

Home Delivery Available

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

2.0 Cooper S Sport Hatchback 3dr Petrol Manual Eur MINI Hatch

60,000 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 350 EcoBlue HDT Leader Chassis Cab 2dr Diesel Ford Transit

83,881 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Liverpool
£200/month
Example
  • Audi A4

1.4 TFSI S line Saloon 4dr Petrol S Tronic Euro 6 Audi A4

80,000 miles 2018 Zero Deposit

Home Delivery Available

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

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

41,102 miles 2016 Zero Deposit

Home Delivery Available

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

1.5 dCi Acenta Premium Euro 6 (s/s) 5dr Nissan Qashqai

28,000 miles 2019 Zero Deposit

Home Delivery Available

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

3.0 535d M Sport Auto Euro 6 (s/s) 4dr BMW 5 Series

95,423 miles 2015 Zero Deposit

Home Delivery Available

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

2.0 TDI Black Edition Plus Sportback 5dr Diesel S Audi A5

68,063 miles 2016 Zero Deposit

Home Delivery Available

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

330 330D 3.0 XDRIVE LUXURY TOURING STEP Estate GREAT V BMW 3 Series

92,000 miles 2018 Zero Deposit

Home Delivery Available

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

1.5 1.5 Cooper Hatchback 5dr Petrol Manual Euro 6 MINI Hatch

8,796 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Sheffield
£252/month
Example
  • Citroen C5

1.5 BlueHDi Flair Euro 6 (s/s) 5dr Citroen C5

38,000 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 TDCi 130ps Chassis Cab Tipper Ford Transit

59,175 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Audi Q3

1.4 TFSI CoD S line Edition SUV 5dr Petrol Manual Audi Q3

78,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.3 TCe Iconic SUV 5dr Petrol EDC Euro 6 (s/s) (13 Renault Captur

46,825 miles 2020 Zero Deposit

Home Delivery Available

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

1.4 TFSI Black Edition Audi A1

58,131 miles 2018 Zero Deposit

Home Delivery Available

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

1.5 116d M Sport Hatchback 5dr Diesel Manual Euro BMW 1 Series

80,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Mazda Cx 3

2.0 SKYACTIV-G Sport Nav SUV 5dr Petrol Auto Euro Mazda Cx 3

30,081 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Derby
£252/month
Example
  • Fiat Panda

0.9 TwinAir Cross Hatchback 5dr Petrol Manual Euro Fiat Panda

29,000 miles 2021 Zero Deposit

Home Delivery Available

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

2.0 TDI T30 Startline Panel Van 5dr Diesel Manual Volkswagen Transporter

77,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example

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

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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.