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

  • BMW 2 Series

2.0 220i M Sport (s/s) BMW 2 Series

40,183 miles 2015 Zero Deposit

Home Delivery Available

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

2.0 300 EcoBlue Limited Panel Van 5dr Diesel Manua Ford Transit

91,860 miles 2019 Zero Deposit

Home Delivery Available

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

1.25 X-Line 5dr Kia Picanto

7,182 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Scunthorpe
£252/month
Example
  • Ford Mondeo

1.5 EcoBoost Titanium 5dr Auto Ford Mondeo

38,114 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Scunthorpe
£252/month
Example
  • Kia Picanto

1.25 GT-line S 5dr Kia Picanto

14,416 miles 2018 Zero Deposit

Home Delivery Available

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

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

70,714 miles 2015 Zero Deposit

Home Delivery Available

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

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

34,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.5 TITANIUM TDCI 5d 119 BHP * Buy Online ** Natio Ford Kuga

85,395 miles 2017 Zero Deposit

Home Delivery Available

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

2.3 dCi Tekna Pickup Double Cab 4dr Diesel Auto 4W Nissan Navara

120,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Bedford
£252/month
Example
  • Fiat 500

42kWh Icon Auto 3dr Fiat 500

9,147 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Vauxhall Crossland

ELITE SS Vauxhall Crossland

21,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Dudley
£252/month
Example
  • Vauxhall Mokka

1.6CDTi [136] Design Nav 5dr Auto Vauxhall Mokka

29,015 miles 2016 Zero Deposit

Home Delivery Available

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

ATTITUDE DUALJET Suzuki Swift

9,001 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 TD4 SE 5d 177 BHP Land Rover Range Rover Evoque

80,814 miles 2017 Zero Deposit

Home Delivery Available

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

1.5 BLUEHDI PROFESSIONAL L1 101 BHP 1 OWNER FULL H Peugeot Partner

30,737 miles 2020 Zero Deposit

Home Delivery Available

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

VVT-I X-TREND TSS Toyota AYGO

10,556 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Alfa Romeo MiTo

1.4 TB MultiAir Veloce TCT Euro 6 (s/s) 3dr Alfa Romeo MiTo

33,915 miles 2017 Zero Deposit

Home Delivery Available

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

1.5 116d M Sport Euro 6 (s/s) 5dr BMW 1 Series

63,700 miles 2016 Zero Deposit

Home Delivery Available

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

420 420D SPORT GRAN COUPE BMW 4 Series

62,300 miles 2016 Zero Deposit

Home Delivery Available

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

1.0 TSI 115 FR 5dr SEAT Ibiza

36,726 miles 2017 Zero Deposit

Home Delivery Available

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

1.6 C20 TDI STARTLINE BLUEMOTION TECHNOLOGY 101 BH Volkswagen Caddy

76,688 miles 2015 Zero Deposit

Home Delivery Available

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

MM35dCi 125 Business+ Medium Roof Van Renault Master

0 miles 2015 Zero Deposit

Home Delivery Available

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

2.0 TDCi 290 Limited Panel Van 5dr Diesel Manual L Ford Transit

74,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.4T (100) SE Nav 5dr - Rear P Vauxhall Corsa

11,395 miles 2018 Zero Deposit

Home Delivery Available

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

1.2 SE 5dr - Multifunction Tou Vauxhall Crossland

24,943 miles 2018 Zero Deposit

Home Delivery Available

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

1.2 Dualjet Attitude 5dr - Air Suzuki Swift

9,695 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Mazda 2

1.5 SE-L Nav+ 5dr - Automatic Mazda 2

49,213 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.