• 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

541-576 of over 1,000 cars

  • Fiat Doblo

L2 LWB 5 Seat Wheelchair Accessible Disabled Acces Fiat Doblo

18,115 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Citroen C4

2.0 BlueHDi Flair MPV 5dr Diesel EAT8 Euro 6 (s/s) Citroen C4

75,212 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Bangor
£252/month
Example
  • Toyota Voxy

X L EDITION Toyota Voxy

71,639 miles 2012 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Jaguar XJS

3.6 Jaguar XJS

89,000 miles 1989 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Volkswagen T Roc

1.0 TSI SE Volkswagen T Roc

60,777 miles 2018 Zero Deposit

Home Delivery Available

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

2.0 TDI BlueMotion Tech GTD Volkswagen Golf

80,000 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 TDI GT Volkswagen Golf

82,505 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Norwich
£252/month
Example
  • Citroen Dispatch

2.0 HDi SX LWB 9 SEATER 6 SPEED yes 41000 miles the one to have Citroen Dispatch

41,000 miles 2014 Zero Deposit

Home Delivery Available

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

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

47,284 miles 2021 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Renault Megane

2.0T 16V RS Renaultsport Cup 3dr LSD Renault Megane

31,000 miles 2010 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Citroen C4

1.2 PureTech Flair EAT6 Euro 6 (s/s) 5dr Citroen C4

19,800 miles 2020 Zero Deposit

Home Delivery Available

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

1.6 TDI Black Edition Hatchback 3dr Diesel Manual Audi A1

38,000 miles 2016 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Mercedes Benz A Class

2.1 A200d AMG Line (Executive) Hatchback 5dr Diese Mercedes Benz A Class

52,800 miles 2016 Zero Deposit

Home Delivery Available

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

2.0 TDI SE L Executive DSG Euro 6 (s/s) 5dr Skoda Superb

104,890 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Mercedes Benz E Class

2.0 E220d SE Saloon 4dr Diesel G-Tronic+ Euro 6 (s Mercedes Benz E Class

92,000 miles 2016 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Dacia Sandero Stepway

1.0 TCe Prestige Hatchback 5dr Petrol CVT Euro 6 ( Dacia Sandero Stepway

30,245 miles 2022 Zero Deposit

Home Delivery Available

£11,995
Perth
£252/month
Example
  • Audi Q2

1.4 TFSI Sport 5dr Audi Q2

61,000 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 TDI GT DSG Euro 6 (s/s) 5dr Volkswagen Golf

67,241 miles 2018 Zero Deposit

Home Delivery Available

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

1.6 BlueHDi Flair Multispace MPV 5dr Diesel ETG6 E Citroen Berlingo

32,000 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Peugeot 208

1.2 PureTech Active Premium 5dr Peugeot 208

18,809 miles 2022 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Nissan 350Z

3.5 V6 Coupe Auto Nissan 350Z

32,000 miles 2007 Zero Deposit

Home Delivery Available

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

1.2 Dualjet 83 12V Hybrid SZ-L 5dr Suzuki Swift

9,648 miles 2023 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Volkswagen Polo

1.0 TSI SE 5dr Volkswagen Polo

84,696 miles 2020 Zero Deposit

Home Delivery Available

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

1.0 MHEV Hatchback 3dr Petrol Manual Euro 6 (s/s) Fiat 500

6,000 miles 2024 Zero Deposit

Home Delivery Available

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

WHEELCHAIR ACCESSIBLE HORIZON RE BLUE HDI S/S S Peugeot Partner

20,850 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Mercedes Benz E Class

2.0 E220d AMG Line Mercedes Benz E Class

104,746 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Norwich
£252/month
Example
  • BMW 4 Series Gran Coupe

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

86,777 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Sunderland
£252/month
Example
  • Vauxhall Corsa

GS LINE Vauxhall Corsa

24,598 miles 2022 Zero Deposit

Home Delivery Available

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

2.0 Cooper S Hatchback 3dr Petrol Auto Euro 6 (s/s MINI Hatch

58,000 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • SEAT Arona

1.0 Tsi Gpf Xcellence Lux Suv 5dr Petrol Dsg Euro 6 (s/s) (115 Ps) SEAT Arona

51,500 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Derby
£252/month
Example
  • Mercedes Benz CLA

2.1 CLA200d AMG Sport Coupe 4dr Diesel Manual Euro Mercedes Benz CLA

61,282 miles 2015 Zero Deposit

Home Delivery Available

£11,995
Middlesbrough
£252/month
Example
  • BMW X1

2.0 X1 xDrive20d Sport BMW X1

76,953 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • SEAT Ibiza

1.0 TSI FR Hatchback 5dr Petrol Manual Euro 6 (s/s SEAT Ibiza

31,000 miles 2019 Zero Deposit

Home Delivery Available

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

1.5 Cooper Classic Hatchback 5dr Petrol Manual Eur MINI Hatch

42,100 miles 2020 Zero Deposit

Home Delivery Available

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

DIG-T N-CONNECTA DCT Nissan Qashqai

76,335 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£252/month
Example
  • Volkswagen Polo

2.0 Polo GTi TSi Semi-Auto 5dr Volkswagen Polo

92,000 miles 2020 Zero Deposit

Home Delivery Available

£11,995
£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
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.