• 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

109-144 of over 1,000 cars

  • Citroen C5

1.2 PureTech Flair Plus SUV 5dr Petrol Manual Euro Citroen C5

40,000 miles 2020 Zero Deposit

Home Delivery Available

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

2.0 300 EcoBlue Leader L2 H1 Euro 6 (s/s) 5dr Ford Transit

38,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
Gillingham
£252/month
Example
  • Ford Puma

1.0t Ecoboost Mhev Titanium Suv 5dr Petrol Hybrid Manual Euro 6 (s/s) (125 Ford Puma

26,500 miles 2023 Zero Deposit

Home Delivery Available

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

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

47,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW X4

2.0 20d M Sport SUV 5dr Diesel Manual xDrive Euro BMW X4

90,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Hyundai ix20

1.6 SE Hatchback 5dr Petrol Auto Euro 6 (125 ps) B Hyundai ix20

14,837 miles 2019 Zero Deposit

Home Delivery Available

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

2.1 A200d AMG Line (Premium Plus) Hatchback 5dr Di Mercedes Benz A Class

90,000 miles 2018 Zero Deposit

Home Delivery Available

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

2.0 TDI Elegance Fastback 5dr Diesel DSG Euro 6 (s Volkswagen Arteon

120,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • Mercedes Benz CLA

2.1 CLA220d AMG Line Coupe 4dr Diesel 7G-DCT Euro Mercedes Benz CLA

84,000 miles 2018 Zero Deposit

Home Delivery Available

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

1.6 C200d Sport G-Tronic+ Euro 6 (s/s) 4dr Mercedes Benz C Class

64,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Nissan Qashqai

1.5 dCi Tekna Euro 6 (s/s) 5dr Nissan Qashqai

44,099 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Skoda Karoq

1.0 TSI SE L Euro 6 (s/s) 5dr Skoda Karoq

48,920 miles 2018 Zero Deposit

Home Delivery Available

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

A160 1.6 A160 AMG Line 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz A Class

59,585 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 340 ECOBLUE LEADER PANEL VAN 5DR DIESEL MANUAL Ford Transit

57,553 miles 2021 Zero Deposit

Home Delivery Available

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

L2 H2 2.0 340 EcoBlue Diesel LWB High Top Panel Va Ford Transit

69,413 miles 2019 Zero Deposit

Home Delivery Available

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

Limited L2 1.5 250 EcoBlue LWB Manual Diesel Panel Ford Transit

90,310 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • BMW 2 Series

1.5 218i M Sport DCT Euro 6 (s/s) 5dr BMW 2 Series

43,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • BMW 2 Series

2.0 220i M Sport MPV 5dr Petrol Auto Euro 6 (s/s) (192 ps) BMW 2 Series

56,077 miles 2016 Zero Deposit

Home Delivery Available

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

1.2 Turbo SRi Premium Euro 6 (s/s) 5dr Vauxhall Mokka

34,000 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/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
  • Honda Jazz

1.3 i-VTEC SE Hatchback 5dr Petrol CVT Euro 6 (s/s Honda Jazz

15,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Skoda Fabia

1.0 TSI Monte Carlo Hatchback 5dr Petrol Manual Eu Skoda Fabia

25,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Jeep Renegade

1.0 GSE T3 Night Eagle SUV 5dr Petrol Manual Euro Jeep Renegade

39,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Citroen Dispatch

2.0 BlueHDi 1400 Enterprise XL Panel Van 6dr Diese Citroen Dispatch

29,000 miles 2020 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Jaguar XF

2.0d Prestige Saloon 4dr Diesel Auto Euro 6 (s/s) Jaguar XF

45,949 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Stoke-on-Trent
£252/month
Example
  • SEAT Ibiza

1.0 TSI 115 FR 5dr SEAT Ibiza

36,726 miles 2017 Zero Deposit

Home Delivery Available

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

1.5 MATCH TSI EVO 5d 148 BHP Volkswagen Tiguan

102,522 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Leicester
£252/month
Example
  • Kia Picanto

1.25 X-Line 5dr Kia Picanto

7,182 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Scunthorpe
£252/month
Example
  • Kia Picanto

1.25 GT-line S 5dr Kia Picanto

14,416 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Scunthorpe
£252/month
Example
  • Peugeot 2008

1.2 PURETECH S/S ALLURE PREMIUM 5d 100 BHP Peugeot 2008

76,158 miles 2021 Zero Deposit

Home Delivery Available

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

1.5 MATCH TSI EVO 5d 129 BHP Volkswagen Golf

58,084 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Leicester
£252/month
Example
  • Skoda Octavia

1.0 SE TSI DSG 5d 109 BHP Skoda Octavia

72,431 miles 2021 Zero Deposit

Home Delivery Available

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

2.0 280 EcoBlue Leader L1 H1 Euro 6 (s/s) 5dr Ford Transit

53,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • MINI Hatch

1.5 Cooper Sport Euro 6 (s/s) 3dr MINI Hatch

49,000 miles 2019 Zero Deposit

Home Delivery Available

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

1.2 Turbo GS Hatchback 5dr Petrol Auto Euro 6 (s/s Vauxhall Corsa

54,000 miles 2023 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Peugeot 2008

50kWh GT Auto 5dr Peugeot 2008

42,131 miles 2021 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
03/12/2025

Bad credit accepted

I had tried to get a car on finance before but was declined Chloe from choose my car managed to get me excepted helped me find a car and was very helpful explaining how everything worked next steps all the way up until picking my car up on the day highly recommend would defo use them again
Shanade
28
11/12/2025

Quick painless process

The service and speed of application to being on the road was outstanding, no long drawn out applications the communication is 100% if you need a car in a hurry use this company. I am super impressed and have drove away in my absolute dream car that I never thought I would have. Thanks again for the amazing service
Sarah Heavisides
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
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.