• 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

901-936 of over 1,000 cars

  • Citroen C4

1.2 PureTech [130] Sense Plus 5dr**ONE OWNER FROM NEW** Citroen C4

50,500 miles 2021 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • BMW 2 Series

1.5 218i M Sport Convertible BMW 2 Series

52,000 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Kia Picanto

1.0 Dpi Gt Line Hatchback 5dr Petrol Amt Euro 6 (s/s) (66 Bhp) Kia Picanto

16,271 miles 2023 Zero Deposit

Home Delivery Available

£11,995
Sheffield
£244/month
Example
  • MINI Clubman

Clubman Cooper S 2.0 6-Door - 46,100 miles - Sat Nav, Camera, Half Leather Seats - FSH - Grey - SOLD MINI Clubman

46,100 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Ford Focus

ST-Line 1.5 TDCi 5-Door Powershift Auto - 22,500 miles - SYNC 3 Sat Nav, 18inch Alloys - FSH - Blue Ford Focus

22,500 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Mercedes Benz GLA Class

GLA 200 D AMG LINE 5-Door Mercedes Benz GLA Class

96,000 miles 2016 Zero Deposit

Home Delivery Available

£11,995
Nottingham
£244/month
Example
  • Mercedes Benz A-Class

1.5 A180d AMG Line Hatchback 5dr Diesel 7G-DCT Eur Mercedes Benz A-Class

57,000 miles 2017 Zero Deposit

Home Delivery Available

£11,995
Norwich
£244/month
Example
  • Volkswagen Golf

2.0 TDI BlueMotion Tech GT Volkswagen Golf

75,000 miles 2017 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Vauxhall MOKKA ELECTRIC

50kwh Design Suv 5dr Electric Auto (136 Ps) Vauxhall MOKKA ELECTRIC

5,507 miles 2024 Zero Deposit

Home Delivery Available

£11,995
Mansfield
£244/month
Example
  • Hyundai Santa Fe

2.2 CRDi Blue Drive Premium **FULL SERVICE HISTORY** **15 MONTHS WARRANTY** **12 MONTHS MOT** Hyundai Santa Fe

88,000 miles 2016 Zero Deposit

Home Delivery Available

£11,995
Grimsby
£244/month
Example
  • Fiat 500

1.0 LOUNGE 3d 69 BHP Fiat 500

18,000 miles 2020 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • SEAT Ibiza

1.0 Tsi Fr Sport SEAT Ibiza

45,000 miles 2019 Zero Deposit

Home Delivery Available

£11,995
Huddersfield
£244/month
Example
  • Peugeot Partner Tepee

1.6 BlueHDi Allure ONLY 49,000 MILES & CHEAP TAX Peugeot Partner Tepee

49,000 miles 2016 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Renault Captur

1.0 TCE 100 S Edition 5dr Renault Captur

40,300 miles 2020 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Kia Stonic

1.0T GDi 48V Connect 5dr Kia Stonic

42,669 miles 2022 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Volvo V60

2.0 D3 R-Design Nav Estate 5dr Diesel Manual Euro Volvo V60

48,117 miles 2016 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Nissan Qashqai

1.3 DIG-T TEKNA Nissan Qashqai

45,205 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • MINI Hatch

1.5 Cooper Sport Hatchback 3dr Petrol Manual Euro MINI Hatch

49,220 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Volkswagen Polo

R-LINE TSI Volkswagen Polo

65,881 miles 2020 Zero Deposit

Home Delivery Available

£11,995
High Wycombe
£244/month
Example
  • Jeep Renegade

1.4L LIMITED 5d 138 BHP Jeep Renegade

59,000 miles 2016 Zero Deposit

Home Delivery Available

£11,995
London
£244/month
Example
  • Volkswagen T Roc

1.5 TSI EVO SE Volkswagen T Roc

86,000 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Alfa Romeo Giulietta

1.6 JTDM-2 120 Super 5dr TCT Alfa Romeo Giulietta

26,507 miles 2019 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • Ford Fiesta

Hatchback Zetec Ford Fiesta

21,558 miles 2018 Zero Deposit

Home Delivery Available

£11,995
£244/month
Example
  • BMW 4 Series Gran Coupe

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

82,000 miles 2016 Zero Deposit

Home Delivery Available

£11,995
Stockport
£244/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
£244/month
Example
  • Vauxhall Astra

1.2 Turbo Griffin Edition Hatchback 5dr Petrol Manual Euro 6 (s/s) (145 Ps) Vauxhall Astra

9,443 miles 2021 Zero Deposit

Home Delivery Available

£11,995
Derby
£244/month
Example
  • Land Rover Range Rover Sport

3.0 SD V6 HSE Dynamic Auto 4WD Euro 6 (s/s) 5dr Land Rover Range Rover Sport

109,000 miles 2016 Zero Deposit

Home Delivery Available

£11,994
Solihull
£244/month
Example
  • Vauxhall Astra

1.2 Turbo Design Hatchback 5dr Petrol Manual Euro 6 (s/s) (110 Ps) Vauxhall Astra

45,499 miles 2023 Zero Deposit

Home Delivery Available

£11,994
Bolton
£244/month
Example
  • Dacia Sandero Stepway

1.0 Tce Journey Hatchback 5dr Petrol Manual Euro 6 (s/s) (90 Ps) Dacia Sandero Stepway

22,476 miles 2023 Zero Deposit

Home Delivery Available

£11,994
Lincoln
£244/month
Example
  • Peugeot 5008

1.5 BlueHDi Allure Euro 6 (s/s) 5dr Peugeot 5008

87,691 miles 2020 Zero Deposit

Home Delivery Available

£11,994
£244/month
Example
  • Kia Niro

64kWh 4 Auto 5dr Kia Niro

55,950 miles 2020 Zero Deposit

Home Delivery Available

£11,994
Oldham
£244/month
Example
  • Kia Sportage

1.6 T Gdi 4 Suv 5dr Petrol Manual Euro 6 (s/s) (174 Bhp) Kia Sportage

69,292 miles 2019 Zero Deposit

Home Delivery Available

£11,994
Lincoln
£244/month
Example
  • Volkswagen Tiguan

2.0 TDI BlueMotion Tech SE DSG 4Motion Euro 6 (s/s) 5dr Volkswagen Tiguan

87,700 miles 2016 Zero Deposit

Home Delivery Available

£11,994
Oldham
£244/month
Example
  • BMW X1

2.0 20i Sport Auto xDrive Euro 6 (s/s) 5dr BMW X1

60,500 miles 2016 Zero Deposit

Home Delivery Available

£11,994
Oldham
£244/month
Example
  • SsangYong Korando

1.5 Ultimate Auto Euro 6 (s/s) 5dr SsangYong Korando

45,950 miles 2019 Zero Deposit

Home Delivery Available

£11,994
Oldham
£244/month
Example
  • Honda Civic

1.0 VTEC Turbo EX CVT Euro 6 (s/s) 4dr Honda Civic

41,100 miles 2018 Zero Deposit

Home Delivery Available

£11,994
Oldham
£244/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 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £229.95 per month, with a total cost of credit of £4,797.00 and a total amount payable of £13,797.00

We’re rated Excellent on Trustpilot

4.9 out of 5 on 4386 Reviews

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
28
01/03/2026

Reece was excellent!

Reece was excellent. As was his colleague, great car and fair price. Finance was transparent so i knew how much choosemycar were making on the deal, which i appreciated!
Harry
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.