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

  • Ford Transit

2.0 310 EcoBlue Trend FWD L3 H2 Euro 6 (s/s) 5dr Ford Transit

63,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£200/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
  • Renault Master

MM35dCi 125 Business+ Medium Roof Van Renault Master

0 miles 2015 Zero Deposit

Home Delivery Available

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

3.0 335D XDRIVE M SPORT 4d 308 BHP - FREE DELIVERY BMW 3 Series

97,719 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£252/month
Example
  • Audi A5

2.0 TDI QUATTRO BLACK EDITION PLUS AUTOMATIC 5d 18 Audi A5

81,370 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£252/month
Example
  • MINI Countryman

2.0 Cooper S SUV 5dr Petrol Manual ALL4 Euro 6 (s/ MINI Countryman

65,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.6 TDI S LINE 5d 109 BHP - FREE DELIVERY* Audi A3

54,408 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£252/month
Example
  • Ford Focus

2.0T EcoBoost ST-2 Euro 6 (s/s) 5dr Ford Focus

59,178 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 GTD TDI DSG 5d ESTATE 182 BHP - FREE DELIVERY* Volkswagen Golf

76,440 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£252/month
Example
  • Volkswagen Amarok

2.0 DC TDI TRENDLINE 4MOTION 178 BHP - FREE DELIVE Volkswagen Amarok

83,972 miles 2016 Zero Deposit

Home Delivery Available

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

2.1 116 CDI BlueTEC RWD L2 Euro 6 (s/s) 6dr Mercedes Benz Vito

108,036 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/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
  • Toyota Prius

1.8 VVT-h Business Edition Hatchback 5dr Petrol Hy Toyota Prius

57,066 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Audi A4

2.0 TDI 35 Technik Saloon 4dr Diesel S Tronic Euro Audi A4

91,000 miles 2020 Zero Deposit

Home Delivery Available

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

1.0 Match Edition Euro 6 (s/s) 5dr Volkswagen Polo

15,900 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Toyota Corolla

2.0 VVT-h Excel CVT Euro 6 (s/s) 5dr Toyota Corolla

39,500 miles 2019 Zero Deposit

Home Delivery Available

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

1.4 TSI SE Nav Hatchback 5dr Petrol DSG Euro 6 (s/ Volkswagen Golf

61,369 miles 2018 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
  • Vauxhall Vivaro

100kW Elite L 50kWh 5dr Auto Vauxhall Vivaro

23,097 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Bristol
£200/month
Example
  • Suzuki Ignis

SZ-T DUALJET MHEV Suzuki Ignis

25,177 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Skoda Karoq

1.6 TDI SE L 5dr DSG (Front/Re Skoda Karoq

73,369 miles 2018 Zero Deposit

Home Delivery Available

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

CADDY C20 HIGHLINE TDI (Price Volkswagen Caddy

64,966 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Oldham
£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
  • Mercedes Benz GLA Class

2.1 GLA200d Sport (Premium Plus) SUV 5dr Diesel 7G Mercedes Benz GLA Class

63,788 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Derby
£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
  • Volkswagen Caddy

2.0 TDI C20 BlueMotion Tech Highline Panel Van 6dr Volkswagen Caddy

115,890 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£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
  • Nissan Juke

1.0 DIG-T N-Connecta SUV 5dr Petrol Manual Euro 6 Nissan Juke

32,183 miles 2020 Zero Deposit

Home Delivery Available

£12,000
Derby
£200/month
Example
  • Audi Q2

1.6 TDI S line SUV 5dr Diesel Manual Euro 6 (s/s) Audi Q2

71,361 miles 2017 Zero Deposit

Home Delivery Available

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

2.1 C220d Sport (Premium) G-Tronic+ Euro 6 (s/s) 4dr Mercedes Benz C Class

31,000 miles 2015 Zero Deposit

Home Delivery Available

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

114 1.5 116D SPORT 5d 114 BHP BMW 1 Series

33,302 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Manchester
£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.