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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

  • Kia Soul

64kwh Maxx Suv 5dr Electric Auto (201 Bhp) Kia Soul

68,658 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Luton
£200/month
Example
  • Ford Fiesta

1.0 ST-LINE EDITION 5d 94 BHP ONE LADY OWNER FROM Ford Fiesta

36,766 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Nissan Qashqai

1.6 TEKNA DIG-T 5d 163 BHP 6 SERVICES 1 MAIN DEALE Nissan Qashqai

27,868 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
  • Ford Ka

1.2 85 Active 5dr with Cruise Ford Ka

19,355 miles 2019 Zero Deposit

Home Delivery Available

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

2.0d Prestige Saloon 4dr Diesel Auto Euro 6 (s/s) Jaguar XF

45,949 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Stoke-on-Trent
£252/month
Example
  • Hyundai i20

1.0 T-GDi MHEV Premium Hatchback 5dr Petrol Hybrid Hyundai i20

35,989 miles 2022 Zero Deposit

Home Delivery Available

£12,000
York
£200/month
Example
  • Mercedes Benz C Class

2.1 C220d SE Executive Edition Saloon 4dr Diesel G Mercedes Benz C Class

68,006 miles 2017 Zero Deposit

Home Delivery Available

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

1.3 DIG-T N-Connecta Euro 6 (s/s) 5dr Nissan Qashqai

45,700 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • SEAT Ibiza

1.0 TSI XCELLENCE Hatchback 5dr Petrol Manual Euro SEAT Ibiza

44,055 miles 2021 Zero Deposit

Home Delivery Available

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

1.5 116d SE Hatchback 5dr Diesel Manual Euro 6 (s/ BMW 1 Series

65,733 miles 2020 Zero Deposit

Home Delivery Available

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

1.0 EcoBoost Zetec 3dr - Premi Ford Fiesta

14,000 miles 2019 Zero Deposit

Home Delivery Available

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

1.0 T-GDi MHEV GT-Line Euro 6 (s/s) 5dr Kia Stonic

4,000 miles 2023 Zero Deposit

Home Delivery Available

£12,000
Coventry
£200/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 X-Line 5dr Kia Picanto

7,182 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Scunthorpe
£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
  • Vauxhall Vivaro

L1H1 F2700 DYNAMIC SS Vauxhall Vivaro

58,672 miles 2023 Zero Deposit

Home Delivery Available

£12,000
Reading
£200/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
  • Suzuki Ignis

1.2 Dualjet SZ5 Hatchback 5dr Petrol AGS Auto Euro 6 (90 ps) Suzuki Ignis

19,479 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 TDI SE MPV 5dr Diesel DSG Euro 6 (s/s) (150 ps) SEAT Alhambra

74,500 miles 2017 Zero Deposit

Home Delivery Available

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

1.0 Boosterjet SZ-T SUV 5dr Petrol Auto Euro 6 (s/s) (111 ps) Suzuki Vitara

37,464 miles 2019 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
  • Audi A1

1.4 TFSi S line Active Style Package Hatchback 3 D Audi A1

24,000 miles 2016 Zero Deposit

Home Delivery Available

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

2.0 EcoBlue Zetec MPV 5dr Diesel Manual Euro 6 (s/ Ford Galaxy

54,781 miles 2018 Zero Deposit

Home Delivery Available

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

2.1 314 CDI Chassis Cab 2dr Diesel Manual RWD L3 E Mercedes Benz Sprinter

99,000 miles 2020 Zero Deposit

Home Delivery Available

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

3.0 TDI V6 Sport S Tronic Euro 6 (s/s) 5dr Audi A4

97,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.5 MATCH TSI EVO 5d 148 BHP Volkswagen Tiguan

102,522 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Leicester
£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
  • Peugeot 308

1.2 PureTech GT Line EAT Euro 6 (s/s) 5dr Peugeot 308

43,838 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Peugeot 2008

1.2 PureTech GPF GT Line SUV 5dr Petrol EAT Euro 6 Peugeot 2008

19,185 miles 2019 Zero Deposit

Home Delivery Available

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

e 110 37.3kWh Panel Van 5dr Electric Auto LWB (110 Volkswagen Transporter

7,300 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Liverpool
£200/month
Example
  • Kia Cee'd

1.0 T Gdi Eco 2 Hatchback 5dr Petrol Manual Euro 6 (s/s) (118 Bhp) Kia Cee'd

17,522 miles 2019 Zero Deposit

Home Delivery Available

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

1.5 MATCH TSI EVO 5d 129 BHP Volkswagen Golf

58,084 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Leicester
£252/month
Example
  • Peugeot 2008

1.2 PURETECH S/S ALLURE PREMIUM 5d 100 BHP Peugeot 2008

76,158 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Leicester
£200/month
Example
  • Skoda Octavia

1.0 SE TSI DSG 5d 109 BHP Skoda Octavia

72,431 miles 2021 Zero Deposit

Home Delivery Available

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

2.0 Cooper S Hatchback 5dr Petrol Manual Euro 6 (s/s) (192 ps) MINI Hatch

27,181 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£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
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