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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

397-432 of over 1,000 cars

  • Vauxhall Astra

1.4T 16V 150 SRi Vx-line Nav 5dr Hatchback Vauxhall Astra

30,080 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Vauxhall ADAM

1.4i ecoFLEX Glam 3dr Easytronic Hatchback Vauxhall ADAM

14,916 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Citroen C3

1.2 PureTech 83 Flair Plus 5dr Hatchback Citroen C3

34,900 miles 2020 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • MINI Paceman

2.0 COOPER D AUTO MINI Paceman

57,797 miles 2015 Zero Deposit

Home Delivery Available

£11,995
Gloucester
£252/month
Example
  • Suzuki Baleno

1.0 Boosterjet (109ps) SZ-T Hatchback 5d 998cc Suzuki Baleno

3,958 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Mazda 3

1.5 (100ps) SE Hatchback 5d 1496cc Mazda 3

33,800 miles 2015 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Mazda 3

2.0 (120ps) SKYACTIV-G SE-L Hatchback 5d 1998cc Mazda 3

26,000 miles 2015 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Peugeot 2008

1.5 BlueHDi 100 Start-Stop Allure Premium Peugeot 2008

2,000 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Ford EcoSport

1.0 T EcoBoost Zetec SUV 5dr Petrol (s/s) (125 ps) Ford EcoSport

6,918 miles 2018 Zero Deposit

Home Delivery Available

£11,995
Lincoln
£252/month
Example
  • Suzuki Swift

1.0 Boosterjet SZ-T Hatchback 5dr Petrol Manual (111 ps) Suzuki Swift

5 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Lincoln
£252/month
Example
  • Audi A1

1.4 TFSI Sport Sportback 5dr Petrol (s/s) (125 ps) Audi A1

14,394 miles 2016 Zero Deposit

Home Delivery Available

£11,995
Lincoln
£252/month
Example
  • Vauxhall Mokka

1.6 CDTi Elite Nav SUV 5dr Diesel (s/s) 17in Alloy (136 ps) Vauxhall Mokka

19,723 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Lincoln
£252/month
Example
  • Nissan Qashqai

1.5 dCi Tekna SUV 5dr Diesel Manual (103 g/km, 108 bhp) Nissan Qashqai

33,758 miles 2015 Zero Deposit

Home Delivery Available

£11,995
Lincoln
£252/month
Example
  • Mazda 3

2.0 SKYACTIV-G Sport Nav Hatchback 5dr Petrol (s/s) (121 ps) Mazda 3

29,627 miles 2016 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Hyundai Tucson

1.6 GDi Blue Drive SE SUV 5dr Petrol (s/s) (132 ps) Hyundai Tucson

26,967 miles 2016 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Skoda Yeti

1.2 TSI SE L Outdoor 5dr Petrol DSG (s/s) (110 ps) Skoda Yeti

19,461 miles 2016 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Mazda 2

1.5 SKYACTIV-G GT Sport Nav+ Hatchback 5dr Petrol (s/s) (90 ps) Mazda 2

5,535 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • MG 3

1.5 VTi-TECH Exclusive Hatchback 5dr Petrol (s/s) (106 ps) MG 3

10 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Doncaster
£252/month
Example
  • Fiat 500

1.4 City Cross MPV 5dr Petrol (95 bhp) Fiat 500

11 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Doncaster
£252/month
Example
  • Volvo V40

1.5 T3 Pro Cross Country 5dr Petrol Auto (s/s) (152 ps) Volvo V40

48,875 miles 2016 Zero Deposit

Home Delivery Available

£11,995
Doncaster
£252/month
Example
  • Suzuki Swift

1.2 Dualjet SZ3 Hatchback 5dr Petrol Manual (s/s) (90 ps) Suzuki Swift

10 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Doncaster
£252/month
Example
  • Ford Focus

1.5 TDCi ST-Line Hatchback 5dr Diesel (s/s) (120 ps) Ford Focus

28,500 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Doncaster
£252/month
Example
  • Hyundai Tucson

1.6 GDi Blue Drive S SUV 5dr Petrol (s/s) (132 ps) Hyundai Tucson

4,859 miles 2016 Zero Deposit

Home Delivery Available

£11,995
Doncaster
£252/month
Example
  • Ford Kuga

1.5 TDCi Zetec SUV 5dr Diesel (s/s) (120 ps) Ford Kuga

29,106 miles 2016 Zero Deposit

Home Delivery Available

£11,995
Doncaster
£252/month
Example
  • Volkswagen Golf

2.0 TDI BlueMotion Tech SE Nav Hatchback 5dr Diesel DSG (s/s) (150 ps) Volkswagen Golf

68,668 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Doncaster
£252/month
Example
  • SEAT Leon

1.6 TDI SE Dynamic Technology Hatchback 5dr Diesel DSG (s/s) (115 ps) SEAT Leon

36,600 miles 2018 Zero Deposit

Home Delivery Available

£11,995
Doncaster
£252/month
Example
  • Suzuki SX4

1.0 Boosterjet SZ4 SUV 5dr Petrol (s/s) (111 ps) Suzuki SX4

2 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Durham
£252/month
Example
  • Suzuki Swift

1.0 Boosterjet SZ-T Hatchback 5dr Petrol (111 ps) Suzuki Swift

1,555 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Suzuki Vitara

1.6 SZ-T SUV 5dr Petrol Auto (s/s) (120 ps) Suzuki Vitara

18,519 miles 2016 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Vauxhall Crossland

1.2 SE ECOTEC S/S Vauxhall Crossland

8,000 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Vauxhall Crossland

1.2 SE ECOTEC S/S Vauxhall Crossland

10,000 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Suzuki Swift

1.0 Boosterjet SZ-T 5dr Suzuki Swift

10 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Peterborough
£252/month
Example
  • Ford Fiesta

1.0T EcoBoost Titanium Hatchback 5dr Petrol Auto (s/s) (100 ps) Ford Fiesta

12,073 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Peterborough
£252/month
Example
  • Suzuki SX4

1.0 Boosterjet SZ4 SUV 5dr Petrol Manual (120 g/km, 109 bhp) Suzuki SX4

3,375 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Stoke-on-Trent
£252/month
Example
  • MINI Hatch

5-Door Hatch Cooper MINI Hatch

20,046 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Stoke-on-Trent
£252/month
Example
  • Peugeot 308

1.2 PureTech GT Line Hatchback 5dr Petrol Manual (s/s) (107 g/km, 130 bhp) Peugeot 308

14,829 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Stoke-on-Trent
£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 3640 Reviews

28
19/07/2025

What a brilliant service from start to…

What a brilliant service from start to finish no hassle no stress handled brilliant by Dean dealt with every step of the process on my behalf
Justin Hague
28
19/07/2025

Highly recommend ⭐️⭐️⭐️⭐️⭐️

Great and really helpful everything done quickly and efficiently also always kept me up to date highly recommend ⭐️⭐️⭐️⭐️⭐️
Steven
28
18/07/2025

Very professional

Very professional, the vehicle was well prepared for the collection very happy with the purchase. Highly recommend.
Sebastian Tiplea
28
18/07/2025

Absolutely spot on service

Absolutely spot on service, Jay was always there ready to help me with whatever I needed help with. There was some few issues on the lenders side but apart from that it was quick and easy, they handled majority of the stressful parts! Would recommend
James Keegans
28
27/06/2025

Outstanding service very informative…

Outstanding service very informative and super friendly some of the best customer service I have ever dealt with Dean is a legend and deserves a big bonus
Jonathan Godfrey
28
25/06/2025

Very helpful people

I found a car that perfectly suited my needs, Samantha from CMC was very clear on all the finance details and led me through the process with confidence. After finance agreement was sorted I noticed that the car Ive chosen was manual, but my licence is for automatic cars only. Samantha took all the hustle of dealing with car dealerships for me and quickly found me another car that was suitable and of almost the same cost. I spoke to Samantha on Saturday afternoon and I collected the car on Monday. Very happy!
Juliet
28
16/07/2025

After being rejected by every other…

After being rejected by every other finance company I applied to choosemycar.com I was on the verge of losing hope. But they saw something in me that others didn’t. Their team was incredibly supportive, walking me through the application process with clarity and patience.
L.b
28
16/07/2025

Brilliant Customer Service

The agent who dealt with my application was brilliant. One of the best customer service experiences I have ever had. He responded to emails and text quickly and efficiently, always helpful, and always happy to help.
Brett
28
16/07/2025

they do what they say!!

Spoke to the guys on Thursday and by Tuesday I was in my new car ! Great service great help im sure to recommend them to anybody needing a new car
Stephen lawrence
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