• 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

37-72 of over 1,000 cars

  • Kia Sportage

1.6 GDi 2 Euro 6 (s/s) 5dr Kia Sportage

43,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Hyundai Tucson

1.6 GDi SE Nav Euro 6 (s/s) 5dr Hyundai Tucson

51,525 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Toyota Hi Lux

2.4 D-4D Active Toyota Hi Lux

102,968 miles 2018 Zero Deposit

Home Delivery Available

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

2.1 A200d AMG Line Euro 6 (s/s) 5dr Mercedes Benz A Class

41,866 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 CRDi GT-Line SUV 5dr Diesel Manual AWD Euro 6 Kia Sportage

60,562 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Derby
£252/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
  • 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
  • Alfa Romeo MiTo

1.4 TB MultiAir Veloce TCT Euro 6 (s/s) 3dr Alfa Romeo MiTo

33,915 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW 5 Series

3.0 535d M Sport Auto Euro 6 (s/s) 4dr BMW 5 Series

95,423 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Watford
£252/month
Example
  • BMW 5 Series

3.0 535d M Sport Auto Euro 6 (s/s) 4dr BMW 5 Series

108,399 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£252/month
Example
  • BMW 3 Series

2.0 320d M Sport Touring Auto xDrive Euro 5 ss 5dr BMW 3 Series

89,000 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Newcastle upon Tyne
£252/month
Example
  • Peugeot 5008

1.2 PureTech GT Line SUV 5dr Petrol Manual Euro 6 Peugeot 5008

75,541 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Kia XCEE'D

1.0 T-GDi 2 SUV 5dr Petrol Manual Euro 6 (s/s) (11 Kia XCEE'D

38,497 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Nissan NV200

1.5 dCi Acenta Panel Van 6dr Diesel Manual SWB Eur Nissan NV200

47,507 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Stoke-on-Trent
£252/month
Example
  • Volkswagen Tiguan

2.0 TSI Match DSG 4WD Euro 5 5dr Volkswagen Tiguan

45,000 miles 2015 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Vauxhall Movano

2.3 CDTi 3500 BiTurbo Edition Panel Van 5dr Diesel Vauxhall Movano

81,861 miles 2021 Zero Deposit

Home Delivery Available

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

GLA180 1.6 GLA180 Urban Edition SUV 5dr Petrol Manual Eur Mercedes Benz GLA Class

77,759 miles 2019 Zero Deposit

Home Delivery Available

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

2.1 B200d AMG Line (Premium) 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz B Class

44,419 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Volkswagen T Roc

1.0 TSI SE Euro 6 (s/s) 5dr Volkswagen T Roc

59,994 miles 2018 Zero Deposit

Home Delivery Available

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

2.0 TDI XCELLENCE Technology ST DSG Euro 6 (s/s) 5dr SEAT Leon

48,643 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Leeds
£252/month
Example
  • Toyota RAV4

2.5 VVT-h Excel CVT 4WD Euro 6 (s/s) 5dr Toyota RAV4

89,202 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£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
  • Fiat Qubo

1.4 Lounge Euro 6 5dr Fiat Qubo

7,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW 1 Series

1.5 116d M Sport Euro 6 (s/s) 5dr BMW 1 Series

63,700 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Warrington
£252/month
Example
  • Nissan Juke

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

25,636 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Gillingham
£200/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
  • 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
  • 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 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
  • Ford Fiesta

1.0T EcoBoost MHEV Active X Edition Euro 6 (s/s) 5dr Ford Fiesta

25,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
Chesterfield
£200/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
  • Ford Transit

2.0 320 EcoBlue Trend Panel Van 5dr Diesel Manual Ford Transit

72,552 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Skoda Fabia

1.0 TSI Colour Edition Hatchback 5dr Petrol Manual Skoda Fabia

5,925 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Stoke-on-Trent
£252/month
Example
  • Land Rover Discovery Sport

2.0 TD4 HSE Black Auto 4WD Euro 6 (s/s) 5dr Land Rover Discovery Sport

82,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.0 TSI FR Sport Euro 6 (s/s) 5dr SEAT Ibiza

55,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Skoda Superb

2.0 TDI SE L Executive Skoda Superb

78,000 miles 2018 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 4332 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
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.