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.

721-756 of over 1,000 cars

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2.0 TDI S LINE 4d 188 BHP Audi A4

73,832 miles 2016 Zero Deposit

Home Delivery Available

2.4 PHEV JURO 5d 207 BHP VATQ|1 OWNER FROM NEW|R/C Mitsubishi Outlander

85,000 miles 2019 Zero Deposit

Home Delivery Available

£11,990

£251/month

Example

1.3 A 180 SE 5d 135 BHP 1 OWNER FROM NEW|VAT QUALI Mercedes Benz A Class

83,000 miles 2019 Zero Deposit

Home Delivery Available

£11,990

£251/month

Example

2.0 350 L2 H2 P/V DRW 129 BHP + AIRCON + EURO 6 Ford Transit

93,115 miles 2019 Zero Deposit

Home Delivery Available

2.0 ED4 SE 5d 148 BHP Land Rover Range Rover Evoque

74,968 miles 2017 Zero Deposit

Home Delivery Available

£11,990

£251/month

Example

TSI FR TECHNOLOGY PANORAMIC ROOF/SAT NAV SEAT Leon

26,247 miles 2017 Zero Deposit

Home Delivery Available

1.5 ZETEC EDITION TDCI Ford Focus

29,600 miles 2017 Zero Deposit

Home Delivery Available

1.6 GDi 2 DCT Euro 6 ss 5dr Kia Niro

76,319 miles 2019 Zero Deposit

Home Delivery Available

1.7 CRDI 2 ISG 5d 114 BHP SAT NAV, BLUETOOTH, REVE Kia Sportage

60,649 miles 2016 Zero Deposit

Home Delivery Available

L2 COMFORT Toyota Proace

112,336 miles 2017 Zero Deposit

Home Delivery Available

2.0 35 L3 BLUEHDI 129 BHP CLEAN* GREAT DRIVE* 1 OW Citroen Relay

60,000 miles 2017 Zero Deposit

Home Delivery Available

£11,989

£251/month

Example

1.4T 16V 150 Griffin 5dr Hatchback Vauxhall Astra

33,589 miles 2019 Zero Deposit

Home Delivery Available

1.6 CRDI 2 ISG 5d 108 BHP Kia Stonic

21,000 miles 2018 Zero Deposit

Home Delivery Available

£11,989

£251/month

Example

2.0L 220D SPORT 2d 188 BHP BMW 2 Series

93,000 miles 2015 Zero Deposit

Home Delivery Available

£11,989

£251/month

Example

1.0 Edition Isg Kia XCEE'D

42,501 miles 2021 Zero Deposit

Home Delivery Available

£11,988

£251/month

Example

100KW 29KWH 2 5dr auto (APPLE CAR PLAY, REV CAMERA Kia Niro

37,745 miles 2020 Zero Deposit

Home Delivery Available

£11,988

£251/month

Example

1.5 230 EcoBlue Leader Crew Van Double Cab 6dr Die Ford Transit

49,589 miles 2020 Zero Deposit

Home Delivery Available

1.5 TDCi 240 Limited Panel Van 5dr Diesel Manual L Ford Transit

39,556 miles 2016 Zero Deposit

Home Delivery Available

1.5 BlueHDi 1000 Enterprise M Pro Panel Van 5dr Di Citroen Berlingo

23,302 miles 2022 Zero Deposit

Home Delivery Available

1.2 PureTech 130 Shine 5dr Citroen C5

53,564 miles 2021 Zero Deposit

Home Delivery Available

1.4 TFSI CoD Sport SUV 5dr Petrol S Tronic Euro 6 Audi Q2

75,802 miles 2017 Zero Deposit

Home Delivery Available

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

68,667 miles 2017 Zero Deposit

Home Delivery Available

1.8 i-VTEC SR 5dr Auto Honda Civic

64,370 miles 2015 Zero Deposit

Home Delivery Available

£11,985

£251/month

Example

1.2 TSI Match Edition 5dr DSG Volkswagen Polo

21,274 miles 2017 Zero Deposit

Home Delivery Available

£11,982

£251/month

Example

1.0 L EcoBoost Trend 5dr 6Spd 95PS Ford Fiesta

37,060 miles 2020 Zero Deposit

Home Delivery Available

£11,981

£251/month

Example

Special Editions Disturbing London Edition Smart fortwo

16,782 miles 2018 Zero Deposit

Home Delivery Available

£11,980

£251/month

Example

1.2 Design Pro Hatchback 5dr Petrol Manual Euro 6 (s/s) (71 ps) Mitsubishi Mirage

3,115 miles 2021 Zero Deposit

Home Delivery Available

1.5 200 LIMITED TDCI 119 BHP +++FREE 12 MONTH WARR Ford Transit

93,000 miles 2020 Zero Deposit

Home Delivery Available

335 PROFESSIONAL 2.2 BLUEHDI 140 REFRIGERATED SAT NAV OVERNIGHT STANDBY L2 Peugeot Boxer

63,136 miles 2020 Zero Deposit

Home Delivery Available

1.6 TDI C20 CR Startline SWB Euro 5 5dr Volkswagen Caddy

72,355 miles 2016 Zero Deposit

Home Delivery Available

£11,975

£251/month

Example

2.2 Multijet 200 Limited 5dr Auto Jeep Cherokee

91,000 miles 2016 Zero Deposit

Home Delivery Available

2.2 ELX 4x4 5dr (Full Service History! 1 Owner!!++) Ssangyong Korando

11,500 miles 2017 Zero Deposit

Home Delivery Available

£11,975

£251/month

Example

2.0 GT TDI BLUEMOTION TECHNOLOGY 2d 150 BHP Volkswagen Scirocco

67,000 miles 2015 Zero Deposit

Home Delivery Available

£11,975

£251/month

Example

2.2 SE 5dr Estate Ssangyong Rexton

40,563 miles 2016 Zero Deposit

Home Delivery Available

1.5 218I SPORT 2d 134 BHP BMW 2 Series

32,293 miles 2015 Zero Deposit

Home Delivery Available

£11,972

£251/month

Example

1.4 SPORTBACK TFSI SPORT 5d 123 BHP Audi A1

32,156 miles 2015 Zero Deposit

Home Delivery Available

Have a Different Budget in Mind

Finance Calculator: How Much Can You Afford to Spend On A Car?

What's your Loan Amount? £8,000

What's your Loan Term?

4 Years

My Credit Score is

£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

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

19/07/2025

Highly recommend ⭐️⭐️⭐️⭐️⭐️

Great and really helpful everything done quickly and efficiently also always kept me up to date highly recommend ⭐️⭐️⭐️⭐️⭐️

Steven

18/07/2025

Very professional

Very professional, the vehicle was well prepared for the collection very happy with the purchase. Highly recommend.

Sebastian Tiplea

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

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

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

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

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

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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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.