• 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

217-252 of over 1,000 cars

  • SEAT Leon

1.5 TSI EVO FR Euro 6 (s/s) 5dr SEAT Leon

63,800 miles 2020 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Vauxhall Zafira

1.4i Turbo SRi Nav MPV 5dr Petrol Auto Euro 6 (140 Vauxhall Zafira

51,360 miles 2018 Zero Deposit

Home Delivery Available

£11,999
Bristol
£252/month
Example
  • Jaguar XK

4.2 V8 Convertible 2dr Petrol Auto Euro 4 (420 ps) Jaguar XK

73,648 miles 2007 Zero Deposit

Home Delivery Available

£11,999
Lincoln
£252/month
Example
  • Ford Fiesta

1.5T EcoBoost ST-3 Euro 6 (s/s) 3dr Ford Fiesta

67,317 miles 2019 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Mercedes Benz SLK

2.1 SLK250 CDI BlueEfficiency AMG Sport Convertibl Mercedes Benz SLK

38,745 miles 2013 Zero Deposit

Home Delivery Available

£11,999
Preston
£252/month
Example
  • Mercedes Benz SLK

2.1 SLK250 CDI AMG Sport Convertible 2dr Diesel G- Mercedes Benz SLK

68,903 miles 2014 Zero Deposit

Home Delivery Available

£11,999
Preston
£252/month
Example
  • BMW 5 Series

BMW 520D Msport 8 Speed Automatic BMW 5 Series

94,664 miles 2016 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Maserati Ghibli

DV6 Maserati Ghibli

93,000 miles 2016 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Volkswagen Touran

1.6 TDI BlueMotion Tech S MPV 5dr Diesel DSG Euro Volkswagen Touran

87,270 miles 2017 Zero Deposit

Home Delivery Available

£11,999
Leicester
£252/month
Example
  • Mercedes Benz C Class

2.1 C220d AMG Line G-Tronic+ Euro 6 (s/s) 5dr Mercedes Benz C Class

90,861 miles 2018 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Volkswagen Polo

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

42,980 miles 2018 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Citroen C4

PURETECH PLUS S/S Citroen C4

39,852 miles 2023 Zero Deposit

Home Delivery Available

£11,999
Reading
£252/month
Example
  • Audi A5

2.0 TDI ultra Sport Coupe 2dr Diesel Manual Euro 6 Audi A5

64,195 miles 2017 Zero Deposit

Home Delivery Available

£11,999
Oldham
£252/month
Example
  • Ford Edge

2.0 TITANIUM TDCI 5d 177 BHP PLEASE CALL TO TEST Ford Edge

41,899 miles 2016 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Skoda Octavia

1.5 TSI ACT SE L Estate 5dr Petrol Manual Euro 6 ( Skoda Octavia

80,226 miles 2021 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • BMW 3 Series

2.0 320i M Sport Auto Euro 6 (s/s) 4dr BMW 3 Series

61,000 miles 2016 Zero Deposit

Home Delivery Available

£11,999
Milton Keynes
£252/month
Example
  • BMW 3 Series

2.0 325d M Sport Auto Euro 5 (s/s) 4dr BMW 3 Series

59,990 miles 2014 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Nissan X Trail

1.6 dCi Tekna SUV 5dr Diesel XTRON Euro 6 (s/s) (130 ps) ** JUST ARRIVED **ZERO DEPOSIT FINANCE..**A Nissan X Trail

66,755 miles 2017 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Nissan Qashqai

1.2 DIG-T n-tec XTRON 2WD Euro 6 (s/s) 5dr Nissan Qashqai

22,770 miles 2016 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • BMW 2 Series

2.0 218d M Sport Coupe 2dr Diesel Manual Euro 6 (s BMW 2 Series

56,000 miles 2018 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Audi TT

1.8 TFSI Sport Coupe 3dr Petrol Manual Euro 6 (s/s Audi TT

58,431 miles 2017 Zero Deposit

Home Delivery Available

£11,999
Oldham
£252/month
Example
  • Vauxhall Crossland

ELITE EDITION Vauxhall Crossland

22,784 miles 2022 Zero Deposit

Home Delivery Available

£11,999
Reading
£252/month
Example
  • Mercedes Benz GLA Class

1.6 GLA200 AMG Line SUV 5dr Petrol - SAT NAV - Mercedes Benz GLA Class

75,547 miles 2018 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Volkswagen T Roc

1.0 TSI SE SUV 5dr Petrol Manual Euro 6 - GORGEOUS COLOUR - Volkswagen T Roc

50,613 miles 2018 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Volkswagen Touareg

3.0 TDI V6 BlueMotion Tech R-Line Tiptronic 4WD Euro 6 (s/s) 5dr Volkswagen Touareg

98,000 miles 2014 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Ssangyong Korando

1.5 ELX 5d 161 BHP Ssangyong Korando

28,000 miles 2022 Zero Deposit

Home Delivery Available

£11,999
Rotherham
£252/month
Example
  • Ssangyong Tivoli

1.6D LE SUV 5dr Diesel Auto Euro 6 (115 ps) Ssangyong Tivoli

30,000 miles 2021 Zero Deposit

Home Delivery Available

£11,999
Rotherham
£252/month
Example
  • Nissan Qashqai

1.3 DIG-T N-Motion Euro 6 (s/s) 5dr Nissan Qashqai

47,000 miles 2019 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Audi A1

SPORTBACK TFSI S LINE Audi A1

78,000 miles 2019 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Audi A3

1.0 TFSI 30 Black Edition Sportback S Tronic Euro Audi A3

72,000 miles 2019 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • BMW 1 Series

2.0 118d M Sport Shadow Edition Auto Euro 6 (s/s) BMW 1 Series

79,000 miles 2017 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Land Rover Discovery 4

3.0 TD V6 XS Auto 4WD Euro 4 5dr Land Rover Discovery 4

96,000 miles 2010 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Volkswagen UP

UP GTI Volkswagen UP

24,000 miles 2019 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Ford Fiesta

Silver 1.5T EcoBoost ST-2 Euro 6 hatchback 66,900 Ford Fiesta

66,900 miles 2020 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Volkswagen Golf

2.0 TDI BlueMotion Tech R-Line Hatchback 5dr Diese Volkswagen Golf

89,190 miles 2017 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Toyota Aygo X

1.0 VVT-i Edge Hatchback 5dr Petrol Manual Euro 6 Toyota Aygo X

21,510 miles 2023 Zero Deposit

Home Delivery Available

£11,999
£252/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.