• 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

  • BMW 1 Series

1.5 116d M Sport Euro 6 (s/s) 5dr BMW 1 Series

63,700 miles 2016 Zero Deposit

Home Delivery Available

£12,000
Warrington
£252/month
Example
  • Mazda 3

2.0 SKYACTIV-G Sport Nav Fastback 4dr Petrol Manua Mazda 3

35,000 miles 2018 Zero Deposit

Home Delivery Available

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

2.0 TDCi 170ps Chassis Cab Ford Transit

77,000 miles 2017 Zero Deposit

Home Delivery Available

£12,000
£252/month
Example
  • Mercedes Benz Sprinter

2.1 314 CDI RWD L2 H2 Euro 6 (s/s) 5dr Mercedes Benz Sprinter

106,000 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 TDI Match DSG 4Motion Euro 6 (s/s) 5dr Volkswagen Tiguan

103,000 miles 2019 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • SEAT Ateca

TSI ECOMOTIVE SE SEAT Ateca

45,468 miles 2017 Zero Deposit

Home Delivery Available

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

2.0 TDCi Titanium SUV 5dr Diesel AWD Ford Edge

70,000 miles 2018 Zero Deposit

Home Delivery Available

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

1.2 Se Edition Hatchback 5dr Petrol Manual Euro 6 (75 Ps) Vauxhall Corsa

13,358 miles 2022 Zero Deposit

Home Delivery Available

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

1.4 TFSI CoD S line S Tronic Euro 6 (s/s) 4dr Audi A3

72,456 miles 2016 Zero Deposit

Home Delivery Available

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

2.0 TDI R-Line Hatchback 5dr Diesel Manual Euro 6 Volkswagen Golf

85,953 miles 2018 Zero Deposit

Home Delivery Available

£11,999
Newcastle upon Tyne
£252/month
Example
  • Peugeot Partner

1.5 BlueHDi 1000 Professional Premium + Standard Panel Van SWB Euro 6 (s/s) Peugeot Partner

23,323 miles 2023 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Kia Picanto

1.0 DPi GT-Line AMT Euro 6 (s/s) 5dr Kia Picanto

28,860 miles 2018 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • MINI Hatch

1.5 Cooper Classic Hatchback 5dr Petrol Steptronic MINI Hatch

47,004 miles 2019 Zero Deposit

Home Delivery Available

£11,999
York
£252/month
Example
  • Volkswagen Tiguan

2.0 TDI BlueMotion Tech R-Line Edition DSG 4WD Euro 6 (s/s) 5dr Volkswagen Tiguan

70,362 miles 2016 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Jaguar XF

2.0d Portfolio Sportbrake 5dr Diesel Auto Euro 6 ( Jaguar XF

85,123 miles 2018 Zero Deposit

Home Delivery Available

£11,999
York
£252/month
Example
  • Skoda Superb

2.0 TSI SE L Executive DSG Euro 6 (s/s) 5dr Skoda Superb

70,398 miles 2016 Zero Deposit

Home Delivery Available

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

1.2 PureTech Sense Plus Hatchback 5dr Petrol Manua Citroen C4

24,459 miles 2022 Zero Deposit

Home Delivery Available

£11,999
York
£252/month
Example
  • Ford EcoSport

Titanium 1.0L Ford EcoBoost 125PS 6 Speed Manual 5 Door FWD Ford EcoSport

38,372 miles 2022 Zero Deposit

Home Delivery Available

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

TITANIUM TDCI Ford Focus

49,500 miles 2017 Zero Deposit

Home Delivery Available

£11,999
Doncaster
£252/month
Example
  • Hyundai i20

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

49,929 miles 2021 Zero Deposit

Home Delivery Available

£11,999
Newcastle upon Tyne
£252/month
Example
  • Nissan Qashqai

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

35,511 miles 2019 Zero Deposit

Home Delivery Available

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

50kWh GS Line SUV 5dr Electric Auto (136 ps) Award Vauxhall Mokka

41,349 miles 2022 Zero Deposit

Home Delivery Available

£11,999
Newcastle upon Tyne
£252/month
Example
  • Volkswagen Golf

1.5 TSI Life Hatchback 5dr Petrol Manual Euro 6 (s Volkswagen Golf

83,606 miles 2021 Zero Deposit

Home Delivery Available

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

1.5 118i GPF M Sport Shadow Edition Hatchback 5dr BMW 1 Series

86,881 miles 2019 Zero Deposit

Home Delivery Available

£11,999
Newcastle upon Tyne
£252/month
Example
  • MG 4

64kWh SE Long Range Hatchback 5dr Electric Auto (2 MG 4

40,319 miles 2022 Zero Deposit

Home Delivery Available

£11,999
Newcastle upon Tyne
£252/month
Example
  • Nissan Navara

2.3 DCI N-CONNECTA SHR DCB 4d 190 BHP Nissan Navara

114,520 miles 2018 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • SEAT Ateca

1.6 TDI Ecomotive XCELLENCE SUV 5dr Diesel Manual SEAT Ateca

50,000 miles 2017 Zero Deposit

Home Delivery Available

£11,999
Birmingham
£252/month
Example
  • Audi A4

2.0 TDI S line Saloon 4dr Diesel S Tronic quattro Audi A4

91,500 miles 2017 Zero Deposit

Home Delivery Available

£11,999
Birmingham
£252/month
Example
  • Ford Transit

2.2 TDCi 350 Ford Transit

75,000 miles 2016 Zero Deposit

Home Delivery Available

£11,999
Redditch
£252/month
Example
  • Vauxhall Grandland

1.5 Turbo D BlueInjection Sport Nav Vauxhall Grandland

30,500 miles 2019 Zero Deposit

Home Delivery Available

£11,999
Redditch
£252/month
Example
  • Mercedes Benz Sprinter

2017 314CDI CREW-CAB TIPPER NO VAT EURO 6 Mercedes Benz Sprinter

62,703 miles 2017 Zero Deposit

Home Delivery Available

£11,999
Coventry
£252/month
Example
  • Ford Kuga

2.0 TDCi EcoBlue Vignale Euro 6 (s/s) 5dr Ford Kuga

54,000 miles 2017 Zero Deposit

Home Delivery Available

£11,999
Bradford
£252/month
Example
  • Toyota Auris

1.8 VVT-h Icon Tech Touring Sports 5dr Petrol Hybr Toyota Auris

74,654 miles 2019 Zero Deposit

Home Delivery Available

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

1.0T EcoBoost Active B&O Play Euro 6 (s/s) 5dr Ford Fiesta

38,000 miles 2019 Zero Deposit

Home Delivery Available

£11,999
£252/month
Example
  • Mazda Cx 5

2.2 SKYACTIV-D Sport Nav SUV 5dr Diesel Manual 4WD Mazda Cx 5

63,246 miles 2017 Zero Deposit

Home Delivery Available

£11,999
Crawley
£252/month
Example
  • Peugeot 508

2.0 BlueHDi GT Line Fastback 5dr Diesel EAT Euro 6 Peugeot 508

70,000 miles 2019 Zero Deposit

Home Delivery Available

£11,999
Oldham
£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.