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

  • MG ZS

1.0 T-GDI Exclusive SUV 5dr Petrol Auto Euro 6 (11 MG ZS

20,643 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Derby
£252/month
Example
  • SEAT Leon

1.5 Tsi Evo Xcellence Hatchback 5dr Petrol Manual Euro 6 (s/s) (150 Ps) SEAT Leon

61,967 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Grimsby
£252/month
Example
  • 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
  • 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
  • Fiat Ducato

2.3 35 RECOVERY MULTIJET II 130 BHP Fiat Ducato

88,332 miles 2017 Zero Deposit

Home Delivery Available

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

1.5 BLUEHDI ASPHALT L2 129 BHP + 2 key,Service His Peugeot Partner

80,624 miles 2020 Zero Deposit

Home Delivery Available

£12,000
Burnley
£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
  • Mercedes Benz CLA

2.1 CLA 220 D AMG LINE AUTOMATIC 4d 174 BHP - FREE Mercedes Benz CLA

82,874 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£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
  • 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
  • Volkswagen Polo

1.0 TSI GPF SE Hatchback 5dr Petrol Manual Euro 6 Volkswagen Polo

27,106 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 420D XDRIVE SE GRAN COUPE 4d 188 BHP BMW 4 Series

63,500 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£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
  • 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
  • Mercedes Benz A Class

1.5 A 180 D SPORT 5d 107 BHP Mercedes Benz A Class

41,563 miles 2018 Zero Deposit

Home Delivery Available

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

2.0 GTD 3d 182 BHP Volkswagen Golf

58,685 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
  • 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
  • Mercedes Benz A Class

1.5 A 180 D SE 5d 107 BHP Mercedes Benz A Class

36,837 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£252/month
Example
  • Volvo V60

D3 [150] R DESIGN Nav 5dr Volvo V60

48,000 miles 2016 Zero Deposit

Home Delivery Available

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

1.8 GTI DSG 5d 189 BHP Volkswagen Polo

61,042 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£252/month
Example
  • Nissan Qashqai

1.5 DCI TEKNA 5d 108 BHP Nissan Qashqai

43,793 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£252/month
Example
  • MG ZS

1.5 VTi-TECH Excite SUV 5dr Petrol Manual Euro 6 ( MG ZS

19,064 miles 2021 Zero Deposit

Home Delivery Available

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

1.5 dCi N-Connecta SUV 5dr Diesel Manual 2WD Euro Nissan Qashqai

17,396 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Derby
£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
  • Ford Transit

1.0 340 EcoBoost 13.6kWh Trend Auto L1 H1 Euro 6 5dr Ford Transit

47,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Suzuki Vitara

SZ-T BOOSTERJET Suzuki Vitara

50,788 miles 2019 Zero Deposit

Home Delivery Available

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

E220 2.1 E220 BLUETEC AMG LINE 2d 174 BHP £0 DEPO Mercedes Benz E Class

55,509 miles 2015 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • MG 3

1.5 Vti Tech Excite Hatchback 5dr Petrol Manual Euro 6 (s/s) (106 Ps) MG 3

5,030 miles 2023 Zero Deposit

Home Delivery Available

£12,000
Eastbourne
£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
  • Ford Transit

2.0 350 LEADER XLWB DROPSIDE 130 BHP Ford Transit

76,719 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Audi Q3

TDI QUATTRO S LINE PLUS 5-Door Audi Q3

90,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Chichester
£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

We’re rated Excellent on Trustpilot

4.9 out of 5 on 3640 Reviews

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.