• Coins Icon
    Zero Deposits
  • Sale Tag Icon
    Affordable Finance Deals
  • Trustpilot
    4.9 out of 5 on Trustpilot
  • People Icon
    Reputable Dealerships
  • Home Icon
    Home Delivery Available

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

325-360 of over 1,000 cars

  • Ford Kuga

2.0 Tdci Ecoblue St Line Edition Suv 5dr Diesel Manual Euro 6 (s/s) (150 Ps Ford Kuga

63,000 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Volkswagen Golf

1.0 TSI Match DSG Euro 6 (s/s) 5dr Volkswagen Golf

62,500 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Audi A3

1.0 TFSI Black Edition Sportback Euro 6 (s/s) 5dr Audi A3

60,000 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • MINI Convertible

2.0 John Cooper Works Convertible 2dr Petrol Auto Euro 6 (s/s) (231 Ps) MINI Convertible

76,100 miles 2018 Zero Deposit

Home Delivery Available

£11,995
Birmingham
£244/month
Example
  • Volkswagen ID.3

Pro Performance 58kWh Business Auto 5dr Volkswagen ID.3

48,917 miles 2020 Zero Deposit

Home Delivery Available

£11,995
Reading
£244/month
Example
  • Ford Focus

FOCUS 1.5 EcoBlue 120 Zetec Edition 5dr Ford Focus

33,567 miles 2021 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Citroen C3

1.2 PureTech C-Series Edition SUV 5dr Petrol Manual Euro 6 (s/s) (110 ps) Citroen C3

15,300 miles 2022 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Audi A4

2.0 TDI ultra S line Saloon 4dr Diesel S Tronic Euro 6 (s/s) (190 ps) Audi A4

77,000 miles 2016 Zero Deposit

Home Delivery Available

£11,995
High Wycombe
£244/month
Example
  • Kia Sportage

1.6 CRDi GT-Line Euro 6 (s/s) 5dr Kia Sportage

40,245 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Bedford
£244/month
Example
  • Abarth 595

1.4 T-Jet Turismo 70th Euro 6 3dr Abarth 595

23,000 miles 2020 Zero Deposit

Home Delivery Available

£11,995
Woking
£244/month
Example
  • Skoda Superb

2.0 TSI SportLine DSG 4WD Euro 6 (s/s) 5dr Skoda Superb

102,874 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Hyundai Santa Fe

CRDI PREMIUM BLUE DRIVE 7 SEATER SAT NAV AUTO 4X4 SAT NAV HEATED SEATS Hyundai Santa Fe

75,001 miles 2016 Zero Deposit

Home Delivery Available

£11,995
Darlington
£244/month
Example
  • Nissan Juke

1.0 DIG-T N-Connecta Euro 6 (s/s) 5dr Nissan Juke

16,320 miles 2021 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Mercedes Benz GLA Class

1.6 GLA200 AMG Line (Executive) Euro 6 (s/s) 5dr Mercedes Benz GLA Class

86,000 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Ford Galaxy

2.0 TDCi Titanium X Powershift Euro 6 (s/s) 5dr Ford Galaxy

78,837 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Skoda Karoq

1.0 TSI SE Drive Euro 6 (s/s) 5dr Skoda Karoq

24,707 miles 2024 Zero Deposit

Home Delivery Available

£11,995
Reading
£244/month
Example
  • Renault Clio

1.0 Tce Evolution Hatchback 5dr Petrol Manual Euro 6 (s/s) (90 Ps) Renault Clio

23,000 miles 2023 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Toyota Yaris

1.5 VVT-h Icon Tech E-CVT Euro 6 (s/s) 5dr Toyota Yaris

16,325 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Bedford
£244/month
Example
  • BMW 3 Series

2.0 330i M Sport GT 5dr Petrol Auto Euro 6 (s/s) (252 ps) BMW 3 Series

87,213 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Plymouth
£244/month
Example
  • Suzuki Ignis

1.2 Dualjet MHEV SZ3 Hatchback 5dr Petrol Hybrid Manual Euro 6 (s/s) (83 ps Suzuki Ignis

4,000 miles 2021 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Audi A3

1.0 TFSI 30 SE Technik Sportback 5dr Petrol Manual Euro 6 (s/s) (116 ps) Audi A3

47,803 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Hyundai i20

1.0 T-GDi MHEV SE Connect Euro 6 (s/s) 5dr Hyundai i20

35,000 miles 2023 Zero Deposit

Home Delivery Available

£11,995
Woking
£244/month
Example
  • Mercedes Benz A-Class

1.5 A180d SE 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz A-Class

38,000 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • BMW 4 Series Gran Coupe

2.0 420i M Sport Auto Euro 6 (s/s) 5dr BMW 4 Series Gran Coupe

82,000 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Maidstone
£244/month
Example
  • Ford Kuga

2.0 TDCi EcoBlue Titanium Edition Powershift Euro 6 5dr Ford Kuga

50,000 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Ford Kuga

1.5T Titanium SUV 5dr Petrol Manual 2WD Euro 6 (s/s) (150 ps) Ford Kuga

20,000 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Volkswagen Golf

1.5 TSI EVO R-Line DSG Euro 6 (s/s) 5dr Volkswagen Golf

75,000 miles 2018 Zero Deposit

Home Delivery Available

£11,995
Stoke-on-Trent
£244/month
Example
  • BMW 3 Series

2.0 318d Sport Touring 5dr Diesel Auto Euro 6 (s/s) (150 Ps) BMW 3 Series

96,000 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • MINI Countryman

1.5 Cooper SUV 5dr Petrol Auto 6Spd ALL4 Euro 6 (s/s) (136 ps) MINI Countryman

78,630 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Mercedes Benz A-Class

1.5 A180d AMG Line Hatchback 5dr Diesel 7G-DCT Eur Mercedes Benz A-Class

77,991 miles 2016 Zero Deposit

Home Delivery Available

£11,995
Armagh
£244/month
Example
  • Audi TT

2.0 TFSI S line S Tronic Euro 6 (s/s) 3dr Audi TT

87,209 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Jeep Renegade

1.0 GSE T3 Night Eagle Euro 6 (s/s) 5dr Jeep Renegade

44,000 miles 2022 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Volkswagen Polo

1.0 TSI SE Hatchback 5dr Petrol DSG Euro 6 (s/s) ( Volkswagen Polo

47,000 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • SEAT Leon

2.0 TDI FR ST 5dr Diesel Manual Euro 6 (s/s) (150 SEAT Leon

54,000 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Volkswagen Polo

1.0 SE Euro 6 (s/s) 5dr Volkswagen Polo

8,000 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • BMW 4 Series

2.0 420d M Sport Coupe 2dr Diesel Auto Euro 6 Full BMW History BMW 4 Series

51,427 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£244/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 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £229.95 per month, with a total cost of credit of £4,797.00 and a total amount payable of £13,797.00

We’re rated Excellent on Trustpilot

4.9 out of 5 on 4386 Reviews

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
28
01/03/2026

Reece was excellent!

Reece was excellent. As was his colleague, great car and fair price. Finance was transparent so i knew how much choosemycar were making on the deal, which i appreciated!
Harry
More Reviews

Cars in Your Area

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.