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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

  • 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
  • BMW 5 Series

2.0 520D M SPORT 4d 188 BHP AUTOMATIC DIESEL BMW 5 Series

88,000 miles 2016 Zero Deposit

Home Delivery Available

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

1.5 B 180 D AMG LINE PREMIUM 5d 107 BHP AUTOMATIC Mercedes Benz B Class

67,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£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 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
  • 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
  • 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
  • Mercedes Benz 240

2.4 Mercedes Benz 240

500 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Kia Rio

1.0 T-GDi 3 Hatchback 5dr Petrol Manual Euro 6 (s/ Kia Rio

16,566 miles 2020 Zero Deposit

Home Delivery Available

£12,000
Derby
£200/month
Example
  • Volkswagen Golf

1.4 TSI BlueMotion Tech GT Volkswagen Golf

42,000 miles 2015 Zero Deposit

Home Delivery Available

£12,000
£252/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
  • MG ZS

1.0 T-GDI Excite MG ZS

15,439 miles 2019 Zero Deposit

Home Delivery Available

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

CLS220 2.1 CLS220 BlueTEC AMG Line Shooting Brake G-Tronic+ Euro 6 (s/s) 5dr Mercedes Benz CLS Class

82,852 miles 2015 Zero Deposit

Home Delivery Available

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

1.6 CDTi 2900 BiTurbo ecoTEC Vauxhall Vivaro

35,171 miles 2019 Zero Deposit

Home Delivery Available

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

1.0 TSI FR Sport Hatchback 5dr Petrol Manual Euro SEAT Ibiza

39,943 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Derby
£252/month
Example
  • Peugeot 308

1.2 PureTech Allure Peugeot 308

45,022 miles 2018 Zero Deposit

Home Delivery Available

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

1.2 Turbo Elite Nav Vauxhall Crossland

14,897 miles 2019 Zero Deposit

Home Delivery Available

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

1.5 118i GPF M Sport Auto Euro 6 (s/s) 5dr BMW 1 Series

75,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Northampton
£252/month
Example
  • Hyundai Kona

1.6 h-GDi SE Connect SUV 5dr Petrol Hybrid DCT Eur Hyundai Kona

76,339 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Burnley
£200/month
Example
  • Ford Transit

300 EcoBlue Trend L2 LWB L2 H1 Euro 6 Van - AIR CO Ford Transit

69,000 miles 2018 Zero Deposit

Home Delivery Available

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

2.0 320d M Sport Saloon 4dr Diesel Auto Euro 6 (s/s) (190 Ps) BMW 3 Series

78,126 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Suzuki Ignis

1.2 Dualjet SZ5 Hatchback 5dr Petrol AGS Auto Euro 6 (90 ps) Suzuki Ignis

19,479 miles 2017 Zero Deposit

Home Delivery Available

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

1.5 A180d AMG Line (Executive) Hatchback 5dr Diese Mercedes Benz A Class

97,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • BMW i3

42.2kWh Hatchback 5dr Electric Auto (170 ps) Soft BMW i3

19,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • Ford Transit

2.0 350 LEADER XLWB DROPSIDE 130 BHP Ford Transit

76,719 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Peugeot 308

1.2 PureTech GT Line EAT Euro 6 (s/s) 5dr Peugeot 308

43,838 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Fiat Ducato

2.3 35 RECOVERY MULTIJET II 130 BHP Fiat Ducato

88,332 miles 2017 Zero Deposit

Home Delivery Available

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

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

39,738 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Renault Clio

1.6 E-TECH Evolution Hatchback 5dr Petrol Hybrid A Renault Clio

60,805 miles 2024 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Hyundai i20

1.0 T-GDi MHEV SE Connect Hatchback 5dr Petrol Hyb Hyundai i20

37,906 miles 2023 Zero Deposit

Home Delivery Available

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

1.4 TSI ACT SE L Executive Hatchback 5dr Petrol Ma Skoda Superb

50,451 miles 2017 Zero Deposit

Home Delivery Available

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

1.2 2 Hatchback 5dr Petrol Manual Euro 6 (s/s) (83 Kia Rio

42,700 miles 2023 Zero Deposit

Home Delivery Available

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

2.1 C220d Sport (Premium) G-Tronic+ Euro 6 (s/s) 4dr Mercedes Benz C Class

31,000 miles 2015 Zero Deposit

Home Delivery Available

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

1.8 TSI BlueMotion Tech GTI Hatchback 5dr Petrol D Volkswagen Polo

56,871 miles 2017 Zero Deposit

Home Delivery Available

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

C220 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
  • Kia Rio

1.0 T Gdi Gt Line Hatchback 5dr Petrol Manual Euro 6 (s/s) (118 Bhp) Kia Rio

28,010 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£200/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
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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