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.

No impact on your credit score

973-1000 of over 1,000 cars

  • Volkswagen Golf

1.4 TSI BlueMotion Tech Match Edition DSG Euro 6 (s/s) 5dr Volkswagen Golf

57,000 miles 2016 Zero Deposit

Home Delivery Available

£11,787
£247/month
Example
  • Mercedes Benz C Class

1.6 C200d AMG Line Estate 5dr Diesel Manual Euro 6 Mercedes Benz C Class

72,500 miles 2017 Zero Deposit

Home Delivery Available

£11,784
Peterborough
£247/month
Example
  • Mercedes Benz A Class

1.6 A 180 SPORT 5d 121 BHP + OVER 1200 5* REVIEWS Mercedes Benz A Class

55,989 miles 2016 Zero Deposit

Home Delivery Available

£11,784
£247/month
Example
  • Citroen Dispatch

M 1000 ENTERPRISE BLUEHDI S/S Citroen Dispatch

94,348 miles 2018 Zero Deposit

Home Delivery Available

£11,780
£247/month
Example
  • Citroen C3

1.2 PureTech 82 Elle 5dr Hatchback Citroen C3

10,418 miles 2019 Zero Deposit

Home Delivery Available

£11,780
Barnsley
£247/month
Example
  • BMW 4 Series

2.0 420D M SPORT GRAN COUPE 4d 188 BHP BMW 4 Series

87,857 miles 2017 Zero Deposit

Home Delivery Available

£11,777
Bury
£247/month
Example
  • SEAT Leon

1.2 TSI SE DYNAMIC TECHNOLOGY 5d 109 BHP SEAT Leon

44,000 miles 2018 Zero Deposit

Home Delivery Available

£11,777
£247/month
Example
  • Ford Focus

2.0 ZETEC S TDCI RED EDITION 5d 148 BHP Ford Focus

60,299 miles 2016 Zero Deposit

Home Delivery Available

£11,758
£247/month
Example
  • Ford S Max

2.0 TITANIUM TDCI 5d 161 BHP 2.0 TDCi Titanium Pow Ford S Max

56,256 miles 2015 Zero Deposit

Home Delivery Available

£11,750
£246/month
Example
  • Volkswagen Tiguan

2.0 TDI BlueMotion Tech R-Line Edition SUV 5dr Die Volkswagen Tiguan

90,000 miles 2016 Zero Deposit

Home Delivery Available

£11,750
Bradford
£246/month
Example
  • Volkswagen Golf

1.4 MATCH EDITION TSI DSG BMT 5d 124 BHP Volkswagen Golf

36,276 miles 2016 Zero Deposit

Home Delivery Available

£11,750
Ipswich
£246/month
Example
  • Ford Transit

2.0 280 EcoBlue Leader Panel Van 5dr Diesel Manual Ford Transit

55,577 miles 2021 Zero Deposit

Home Delivery Available

£11,750
Nottingham
£246/month
Example
  • Peugeot Partner

1.6 HORIZON RE 5d 100 BHP WHEEL CHAIR ADAPTED(WAV) Peugeot Partner

40,898 miles 2018 Zero Deposit

Home Delivery Available

£11,750
£246/month
Example
  • Land Rover Range Rover Evoque

2.0 ED4 SE TECH Land Rover Range Rover Evoque

76,000 miles 2015 Zero Deposit

Home Delivery Available

£11,750
£246/month
Example
  • Nissan Qashqai

1.6 TEKNA DIG-T 5d 163 BHP HEATED SEATS, CAMERAS, Nissan Qashqai

59,208 miles 2017 Zero Deposit

Home Delivery Available

£11,750
£246/month
Example
  • Ford Galaxy

2.0 TITANIUM TDCI 5d 177 BHP Ford Galaxy

81,000 miles 2017 Zero Deposit

Home Delivery Available

£11,750
Ipswich
£246/month
Example
  • Mercedes Benz GLA Class

GLA220 2.1 GLA220 CDI 4MATIC AMG LINE EXECUTIVE 5d 168 BH Mercedes Benz GLA Class

78,200 miles 2015 Zero Deposit

Home Delivery Available

£11,750
Newcastle upon Tyne
£246/month
Example
  • Volvo XC60

2.0 D4 R-DESIGN NAV 5d 188 BHP Volvo XC60

84,000 miles 2017 Zero Deposit

Home Delivery Available

£11,750
Newry
£246/month
Example
  • Peugeot Partner

BLUEHDI PROFESSIONAL L1 Peugeot Partner

49,000 miles 2019 Zero Deposit

Home Delivery Available

£11,750
Chelmsford
£246/month
Example
  • Hyundai Kona

64kWh Premium SUV 5dr Electric Auto (7kW Charger) Hyundai Kona

34,015 miles 2020 Zero Deposit

Home Delivery Available

£11,750
£246/month
Example
  • Nissan Qashqai

1.5 dCi Acenta Premium SUV 5dr Diesel DCT Auto Eur Nissan Qashqai

42,067 miles 2019 Zero Deposit

Home Delivery Available

£11,750
£246/month
Example
  • Mercedes Benz B Class

1.5 B 180 D AMG LINE EXECUTIVE 5d 107 BHP DIESEL M Mercedes Benz B Class

46,000 miles 2017 Zero Deposit

Home Delivery Available

£11,750
£246/month
Example
  • Ford Kuga

2.0 TITANIUM SPORT TDCI 5d 148 BHP Ford Kuga

52,483 miles 2016 Zero Deposit

Home Delivery Available

£11,750
£246/month
Example
  • Volvo V40

2.0 T2 Momentum Hatchback 5dr Petrol Manual Euro 6 (s/s) (122 ps) Volvo V40

24,650 miles 2017 Zero Deposit

Home Delivery Available

£11,750
Eastbourne
£246/month
Example
  • Ford Focus

2.0L ST-2 TDCI 5d 183 BHP Ford Focus

44,000 miles 2016 Zero Deposit

Home Delivery Available

£11,750
Sheffield
£246/month
Example

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

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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.