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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.

973-1000 of over 1,000 cars

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

74,968 miles 2017 Zero Deposit

Home Delivery Available

2.1 CLA220d AMG Line Coupe 7G-DCT Euro 6 (s/s) 4dr Mercedes Benz CLA-Class

75,870 miles 2017 Zero Deposit

Home Delivery Available

2.0 520d M Sport Auto Euro 6 (s/s) 4dr BMW 5 Series

70,000 miles 2016 Zero Deposit

Home Delivery Available

1.5 TFSI 35 S line Sportback Euro 6 (s/s) 5dr Audi A1

89,000 miles 2019 Zero Deposit

Home Delivery Available

1.4 Boosterjet MHEV SZ-T Euro 6 (s/s) 5dr Suzuki Vitara

54,000 miles 2023 Zero Deposit

Home Delivery Available

2.0 TDI R-Line Euro 6 (s/s) 5dr Volkswagen Passat

98,000 miles 2019 Zero Deposit

Home Delivery Available

2.0d R-Sport Auto AWD Euro 6 (s/s) 4dr Jaguar XF

42,900 miles 2017 Zero Deposit

Home Delivery Available

2.0 320i M Sport GT Auto Euro 6 (s/s) 5dr BMW 3 Series

73,350 miles 2017 Zero Deposit

Home Delivery Available

1.5 Turbo D SE Euro 6 (s/s) 5dr (7 Seat) Vauxhall Combo-life

45,000 miles 2021 Zero Deposit

Home Delivery Available

1.6 GLA180 Urban Edition 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz GLA Class

70,583 miles 2018 Zero Deposit

Home Delivery Available

UP 1.0 65PS Up 3dr Volkswagen UP

4,539 miles 2021 Zero Deposit

Home Delivery Available

SRI NAV PREMIUM Vauxhall Mokka

50,781 miles 2021 Zero Deposit

Home Delivery Available

1.0 TSI Match DSG Euro 6 (s/s) 5dr Volkswagen Polo

53,461 miles 2021 Zero Deposit

Home Delivery Available

E- Electric Estate GT Peugeot 2008

21,988 miles 2021 Zero Deposit

Home Delivery Available

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

58,000 miles 2018 Zero Deposit

Home Delivery Available

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

39,000 miles 2020 Zero Deposit

Home Delivery Available

1.5 Cooper Sport Convertible 2dr Petrol Manual Euro 6 (s/s) (136 ps) MINI Convertible

48,000 miles 2020 Zero Deposit

Home Delivery Available

2.0 B200d AMG Line (Premium) 8G-DCT Euro 6 (s/s) 5dr Mercedes Benz B Class

28,200 miles 2019 Zero Deposit

Home Delivery Available

1.5 TDCi ST-Line Powershift Euro 6 (s/s) 5dr Ford Kuga

46,000 miles 2017 Zero Deposit

Home Delivery Available

1.0 IG-T Tekna Euro 6 (s/s) 5dr Nissan Micra

15,000 miles 2021 Zero Deposit

Home Delivery Available

1.5 One Classic Hatchback 5dr Petrol Manual Euro 6 MINI Hatch

68,784 miles 2022 Zero Deposit

Home Delivery Available

2.0h 12kWh GX4hs CVT 4WD Euro 6 (s/s) 5dr Mitsubishi Outlander

49,070 miles 2016 Zero Deposit

Home Delivery Available

1.5 218i Sport Auto Euro 6 (s/s) 2dr BMW 2 Series

42,060 miles 2016 Zero Deposit

Home Delivery Available

1.2 Dualjet 83 12V Hybrid SZ-L 5dr Suzuki Swift

26,787 miles 2023 Zero Deposit

Home Delivery Available

1.5 Turbo D BlueInjection Energy MPV 5dr Diesel Au Vauxhall Combo-life

50,168 miles 2020 Zero Deposit

Home Delivery Available

2.0 TFSI 35 Sport Euro 6 (s/s) 4dr Audi A4

79,000 miles 2019 Zero Deposit

Home Delivery Available

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

38,000 miles 2018 Zero Deposit

Home Delivery Available

1.2 Design Hatchback 5dr Petrol Manual Euro 6 (s/s Vauxhall Corsa

24,421 miles 2024 Zero Deposit

Home Delivery Available

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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 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

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

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

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!

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

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!

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

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!

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

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.