• 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

  • Subaru Impreza

2.0 WRX Saloon 4dr Petrol Manual (219 g/km, 221 bh Subaru Impreza

125,178 miles 2003 Zero Deposit

Home Delivery Available

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

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

75,000 miles 2018 Zero Deposit

Home Delivery Available

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

2.0 TDI SE Estate 5dr Diesel Manual Euro 6 (s/s) (116 ps) Skoda Octavia

91,550 miles 2022 Zero Deposit

Home Delivery Available

£12,000
Slough
£200/month
Example
  • Kia PROCEED

1.6 T-GDi GT Shooting Brake 5dr Petrol DCT Euro 6 Kia PROCEED

27,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Volkswagen Polo

1.0 TSI R-Line DSG Euro 6 (s/s) 5dr Volkswagen Polo

83,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Jaguar XE

2.0d Portfolio Auto Euro 6 (s/s) 4dr Jaguar XE

39,535 miles 2016 Zero Deposit

Home Delivery Available

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

GOLF GTI MOT 8/26 65K AUTO PSH ULEZ Volkswagen Golf

65,622 miles 2014 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • MINI Convertible

2.0 Cooper S Classic Convertible 2dr Petrol Manual MINI Convertible

50,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • Audi A1

1.4 TFSI Sport Sportback 5dr Petrol Manual Euro 6 Audi A1

13,500 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Guildford
£252/month
Example
  • Peugeot 208

1.2 PureTech Allure Premium Euro 6 (s/s) 5dr Peugeot 208

28,000 miles 2022 Zero Deposit

Home Delivery Available

£12,000
Eastbourne
£200/month
Example
  • Jaguar XK

5.0 V8 Jaguar XK

126,630 miles 2011 Zero Deposit

Home Delivery Available

£12,000
Walsall
£252/month
Example
  • MINI Hatch

1.5 Cooper Classic Hatchback 5dr Petrol Steptronic MINI Hatch

43,018 miles 2019 Zero Deposit

Home Delivery Available

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

1.2 Turbo Design Auto Euro 6 (s/s) 5dr Vauxhall Corsa

6,700 miles 2023 Zero Deposit

Home Delivery Available

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

1.2 DIG-T N-Connecta XTRON Euro 6 (s/s) 5dr Nissan Qashqai

38,000 miles 2018 Zero Deposit

Home Delivery Available

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

1.5 eTSI MHEV FR DSG Euro 6 (s/s) 5dr SEAT Leon

64,064 miles 2020 Zero Deposit

Home Delivery Available

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

2.1 GLA200d Sport (Executive) 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz GLA Class

79,000 miles 2018 Zero Deposit

Home Delivery Available

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

2.1 C220 BlueTEC Sport Saloon 4dr Diesel G-Tronic+ Mercedes Benz C Class

58,000 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • Volkswagen Passat

2.0 TDI BlueMotion Tech R-Line Full Dealer History Volkswagen Passat

78,476 miles 2015 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Ford Focus

1.5 EcoBlue Active X Estate 5dr Diesel Manual Euro Ford Focus

60,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Land Rover Range Rover Evoque

2.0 TD4 HSE Dynamic Auto 4WD Euro 6 (s/s) 5dr Land Rover Range Rover Evoque

86,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Ford Fiesta

1.6T EcoBoost ST-200 Euro 6 3dr Ford Fiesta

52,000 miles 2016 Zero Deposit

Home Delivery Available

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

2.1 C220 BlueTEC AMG Line Saloon 4dr Diesel G-Tron Mercedes Benz C Class

74,000 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • Audi A5

2.0 TDI S line Sportback 5dr Diesel Multitronic Eu Audi A5

58,066 miles 2016 Zero Deposit

Home Delivery Available

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

C200 Sport Premium Plus 4dr 9G-Tronic Mercedes Benz C Class

47,000 miles 2018 Zero Deposit

Home Delivery Available

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

1.2 Turbo Elite Edition Hatchback 5dr Petrol Manua Vauxhall Corsa

21,489 miles 2022 Zero Deposit

Home Delivery Available

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

2.1 ML250 BlueTEC AMG Sport G-Tronic 4WD Euro 6 (s/s) 5dr Mercedes Benz M Class

77,000 miles 2014 Zero Deposit

Home Delivery Available

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

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

75,000 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 CRDi First Edition Auto AWD Euro 6 5dr Kia Sportage

74,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Rotherham
£252/month
Example
  • Ford Focus

1.5T EcoBoost Titanium X Estate 5dr Petrol Auto Eu Ford Focus

21,653 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Mercedes Benz CLA

2.1 CLA220d OrangeArt Coupe 4dr Diesel 7G-DCT Euro Mercedes Benz CLA

80,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • Audi A4

2.0 TFSI 35 S line Saloon 4dr Petrol S Tronic Euro Audi A4

98,900 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 528i Luxury Auto Euro 6 (s/s) 4dr BMW 5 Series

57,000 miles 2014 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Renault Captur

1.3 TCe Iconic Edition Euro 6 (s/s) 5dr Renault Captur

24,000 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • MINI Countryman

1.5 Cooper Euro 6 (s/s) 5dr MINI Countryman

71,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Ford Kuga

2.0 TDCi EcoBlue Zetec AWD Euro 6 (s/s) 5dr Ford Kuga

13,300 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Land Rover Freelander 2

2.2 TD4 SE Tech 4WD Euro 5 (s/s) 5dr Land Rover Freelander 2

62,000 miles 2014 Zero Deposit

Home Delivery Available

£12,000
Eastbourne
£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.