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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

217-252 of over 1,000 cars

  • Volkswagen Caddy

2.0 TDI C20 BlueMotion Tech Startline Panel Van 5d Volkswagen Caddy

94,135 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Volkswagen T Roc

1.0 TSI GPF SE SUV 5dr Petrol Manual Euro 6 (s/s) (115 ps) Volkswagen T Roc

74,400 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Gloucester
£252/month
Example
  • Peugeot Expert

1.5 BlueHDi 1000 Professional Premium Long Panel Van LWB Euro 6 (s/s) 6dr Peugeot Expert

55,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Colchester
£200/month
Example
  • Volkswagen T Roc

1.5 TSI EVO SE Euro 6 (s/s) 5dr Volkswagen T Roc

80,200 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Suzuki Swift

1.4 Boosterjet MHEV Sport Hatchback 5dr Petrol Hybrid Manual Euro 6 (s/s) ( Suzuki Swift

38,372 miles 2020 Zero Deposit

Home Delivery Available

£12,000
Birmingham
£200/month
Example
  • Suzuki Swift

1.2 Dualjet MHEV SZ5 Hatchback 5dr Petrol Hybrid Manual Euro 6 (s/s) (83 ps Suzuki Swift

23,235 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Birmingham
£200/month
Example
  • Kia Stonic

1.0 T-GDi 2 SUV 5dr Petrol Manual Euro 6 (s/s) (99 Kia Stonic

38,000 miles 2022 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Hyundai i20

1.0 T-GDi MHEV SE Connect Hatchback 5dr Petrol Hyb Hyundai i20

31,512 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Ipswich
£200/month
Example
  • Dacia Duster

1.5 Blue dCi Comfort Euro 6 (s/s) 5dr Dacia Duster

20,791 miles 2019 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • MINI Hatch

2.0 Cooper S Sport Hatchback 3dr Petrol Manual Eur MINI Hatch

60,000 miles 2019 Zero Deposit

Home Delivery Available

£12,000
Manchester
£252/month
Example
  • Nissan Navara

2.3 dCi Tekna Auto 4WD Euro 6 4dr Nissan Navara

85,000 miles 2018 Zero Deposit

Home Delivery Available

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

2.3 dCi Tekna 4WD Euro 6 (s/s) 4dr Nissan Navara

60,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Peugeot Expert

1.5 BlueHDi 1000 Professional Premium Long Panel Van LWB Euro 6 (s/s) 6dr Peugeot Expert

55,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Colchester
£200/month
Example
  • Kia XCEE'D

1.0T GDi ISG 2 5dr Parking sen Kia XCEE'D

32,069 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Chelmsford
£200/month
Example
  • Ford Focus

2.0t Ecoboost St 2 Hatchback 5dr Petrol Manual Euro 6 (s/s) (250 Ps) Ford Focus

48,000 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Glasgow
£252/month
Example
  • SEAT Ibiza

1.0 TSI 95 Xcellence 5dr SEAT Ibiza

27,954 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 350 EcoBlue HDT Leader Chassis Cab 2dr Diesel Ford Transit

83,881 miles 2021 Zero Deposit

Home Delivery Available

£12,000
Liverpool
£200/month
Example
  • Audi A4

1.4 TFSI S line Saloon 4dr Petrol S Tronic Euro 6 Audi A4

80,000 miles 2018 Zero Deposit

Home Delivery Available

£12,000
Cambridge
£252/month
Example
  • BMW 3 Series

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

41,102 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Honda Jazz

1.3 i-VTEC EX Navi CVT Euro 6 (s/s) 5dr Honda Jazz

29,250 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 BlueHDi 35 Enterprise L2 High Roof Euro 6 5dr Citroen Relay

57,000 miles 2018 Zero Deposit

Home Delivery Available

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

1.5 A180d AMG Line 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz A Class

58,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.6 TDI SCR SE Technology Hatchback 5dr Diesel Man Skoda Octavia

31,000 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 290 EcoBlue FWD L2 H2 Euro 6 5dr Ford Transit

69,142 miles 2019 Zero Deposit

Home Delivery Available

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

2.0d Portfolio Auto AWD Euro 6 (s/s) 4dr Jaguar XE

34,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • MINI Hatch

2.0 Cooper SD Euro 6 (s/s) 3dr MINI Hatch

30,000 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Audi Q5

2.0 TDI S line Plus SUV 5dr Diesel S Tronic quattr Audi Q5

95,640 miles 2015 Zero Deposit

Home Delivery Available

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

1.0 TSI GPF SE Hatchback 5dr Petrol Manual Euro 6 Volkswagen Polo

41,893 miles 2019 Zero Deposit

Home Delivery Available

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

2.3 dCi Tekna 4WD Euro 6 (s/s) 4dr Nissan Navara

83,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
Luton
£252/month
Example
  • BMW 1 Series

2.0 125d M Sport Hatchback 5dr Diesel Auto Euro 6 BMW 1 Series

72,412 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Land Rover Discovery Sport

2.0 TD4 HSE Luxury Auto 4WD Euro 6 (s/s) 5dr Land Rover Discovery Sport

70,714 miles 2015 Zero Deposit

Home Delivery Available

£12,000
Mansfield
£252/month
Example
  • Citroen Berlingo

1.6 BlueHDi XTR Multispace MPV 5dr Diesel ETG6 Euro 6 (s/s) (100 ps) Citroen Berlingo

11,147 miles 2016 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Ssangyong Musso

2.2D Rebel Auto 4WD Euro 6 4dr Ssangyong Musso

105,500 miles 2020 Zero Deposit

Home Delivery Available

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

1.2 DIG-T N-Connecta SUV 5dr Petrol Manual Euro 6 Nissan Qashqai

36,000 miles 2018 Zero Deposit

Home Delivery Available

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

350 2.0 130 EcoBlue Leader RWD L3 H3 LWB High roof Ford Transit

54,000 miles 2021 Zero Deposit

Home Delivery Available

£12,000
£200/month
Example
  • Nissan X Trail

1.6 dCi Tekna SUV 5dr Diesel Manual Euro 6 (s/s) [ Nissan X Trail

63,930 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Walsall
£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 3640 Reviews

28
31/08/2022

I was looking for a new car and looked…

I was looking for a new car and looked at a few different options for finance. They were very quick to respond and explained how I would be able to find the car I needed and were very helpful with every question I asked. It was processed quickly without a problem. Very friendly on the phone and offered support throughout process.
Customer
28
31/08/2022

Very quick and easy experience I…

Sully was fantastic Very quick and easy experience I applied got accepted quickly and chose a car easily, my car is due to be delivered today
Tan
28
28/08/2022

Super helpful!

Saad was super helpful and made everything really easy for me. Always communicated and really looked for the best deal in my budget. Would definitely recommend!
Bethan
28
29/08/2022

Highly recommend

Dean was amazing and provided a great service. I was unsure about the cars and regularly changed my mind but he didn’t seemed phased and was always happy to help. Extremely friendly and professional service. Thank you
Bhav
28
23/08/2022

Chris helped me make sure it was the…

Chris helped me make sure it was the right deal for me if I had any questions he was there to answer them
Martin
28
18/08/2022

Brill customer service

Brill customer service, assisted in helping me find the right car for me, great customer service. I had a lad called Micheal assist me great asset for he company.
Rachel
28
17/08/2022

Dealt with Dean and he is so…

Dealt with Dean and he is so professional & very helpful. His knowledge and confidence helped in being able to find the right car.
Mandi Leadbitter
28
12/08/2022

Faultless

craig was very helpful and knew his stuff when it came anything extra that needed to be sorted the whole experience was quick incisive and to the point thank you craig for sorting my new vehicle out
Darren James
28
11/08/2022

SUPERB!!

Absolutely amazing service from this company, had Remi to help me throughout the process and got my car financed and delivered within two days. Would definitely recommend this company and Remi to everyone! Written by one happy customer.
Kayleigh
More Reviews

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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.