• 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 Cars Under £13,000 – No Deposit & Bad Credit

Searching for cars under £13,000? Explore our available range of flexible PCP and HP finance options.

No impact on your credit score

1-36 of over 1,000 cars

  • Volkswagen Polo

1.0 EVO Match Euro 6 (s/s) 5dr Volkswagen Polo

17,070 miles 2020 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Renault Clio

1.6 TCe Renaultsport Nav Trophy Auto Euro 6 (s/s) 5dr Renault Clio

46,000 miles 2015 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Suzuki Ignis

SZ5 ALLGRIP SHVS Suzuki Ignis

25,997 miles 2017 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Mercedes Benz E Class

3.0 E350d V6 BlueTEC AMG Line Mercedes Benz E Class

53,446 miles 2015 Zero Deposit

Home Delivery Available

£13,000
London
£273/month
Example
  • Mercedes Benz Sprinter

2.1 314 CDI Chassis Cab 2dr Diesel Manual RWD L3 E Mercedes Benz Sprinter

82,297 miles 2019 Zero Deposit

Home Delivery Available

£13,000
Burnley
£273/month
Example
  • Volkswagen Id3

150kW Life Pro Performance 58k Volkswagen Id3

37,302 miles 2022 Zero Deposit

Home Delivery Available

£13,000
Northampton
£216/month
Example
  • Kia Niro

64kWh 2 SUV 5dr Electric Auto (201 bhp) Kia Niro

45,000 miles 2022 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Peugeot 308

1.5 BlueHDi GT Line SUV 5dr Diesel EAT Euro 6 (s/s Peugeot 308

40,529 miles 2019 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Vauxhall Corsa

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

17,188 miles 2021 Zero Deposit

Home Delivery Available

£13,000
Scunthorpe
£216/month
Example
  • Audi A1

1.5 TFSI 35 S line Sportback 5dr Petrol S Tronic E Audi A1

72,000 miles 2020 Zero Deposit

Home Delivery Available

£13,000
Leicester
£216/month
Example
  • Skoda Superb

2.0 TDI SportLine Estate 5dr Diesel DSG Euro 6 (s/ Skoda Superb

96,180 miles 2017 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Ford Fiesta

1.0 EcoBoost 95 ST-Line Editio Ford Fiesta

21,206 miles 2021 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Hyundai Tucson

1.6 T-GDi N Line SUV 5dr Petrol Manual Euro 6 (s/s Hyundai Tucson

74,000 miles 2020 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Tesla Model S

70D (Dual Motor) Auto 4WD 5dr (Nav) Tesla Model S

91,000 miles 2015 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • BMW 2 Series

220 220D SPORT ACTIVE TOURER BMW 2 Series

24,149 miles 2015 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Ford Focus

1.5 EcoBlue ST-Line Euro 6 (s/s) 5dr Ford Focus

32,000 miles 2021 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Volkswagen T Roc

1.6 TDI SEL SUV 5dr Diesel Manual Euro 6 (s/s) (11 Volkswagen T Roc

64,000 miles 2018 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Volkswagen Golf

2.0 TSI BlueMotion Tech R Hatchback 3dr Petrol Man Volkswagen Golf

75,000 miles 2015 Zero Deposit

Home Delivery Available

£13,000
Burton-upon-Trent
£273/month
Example
  • Vauxhall Grandland

1.2 Turbo SE SUV 5dr Petrol Auto 8Spd Euro 6 (s/s) Vauxhall Grandland

15,293 miles 2020 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Kia Cee'd

1.0 T-GDi 2 Sportswagon Euro 6 (s/s) 5dr Kia Cee'd

9,000 miles 2022 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Mercedes Benz C Class

2.1 C220d Sport Estate 5dr Diesel G-Tronic+ Euro 6 Mercedes Benz C Class

76,076 miles 2018 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • MG ZS

1.0 T-GDI Exclusive SUV 5dr Petrol Auto Euro 6 (11 MG ZS

31,399 miles 2020 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Mazda 2

1.5 e-SKYACTIV G MHEV MHEV GT Sport Hatchback 5dr Mazda 2

36,350 miles 2023 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Ford Transit

2.0 300 EcoBlue Trend L2 H1 Euro 6 5dr Ford Transit

30,000 miles 2019 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Peugeot 308

1.5 BlueHDi Allure Euro 6 (s/s) 5dr Peugeot 308

60,000 miles 2020 Zero Deposit

Home Delivery Available

£13,000
Warrington
£216/month
Example
  • Toyota Yaris

VVT-I DESIGN Toyota Yaris

6,329 miles 2018 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Audi A4

2.0 TFSI 35 S line Saloon 4dr Petrol Manual Euro 6 Audi A4

74,000 miles 2019 Zero Deposit

Home Delivery Available

£13,000
Manchester
£273/month
Example
  • Mercedes Benz Sprinter

313 CDI Mercedes Benz Sprinter

63,000 miles 2016 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Peugeot 2008

1.2 PureTech Allure Euro 6 (s/s) 5dr Peugeot 2008

43,437 miles 2021 Zero Deposit

Home Delivery Available

£13,000
Leeds
£216/month
Example
  • MG ZS

1.0T Gdi Excite 5dr Dct MG ZS

30,250 miles 2021 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Hyundai Tucson

1.6 CRDi MHEV SE Nav Euro 6 (s/s) 5dr Hyundai Tucson

48,000 miles 2021 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Suzuki Swift

1.4 Boosterjet Sport (s/s) 5dr Suzuki Swift

3,000 miles 2019 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Vauxhall Grandland

1.2 Turbo GS Auto Euro 6 (s/s) 5dr Vauxhall Grandland

10,500 miles 2023 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Mercedes Benz C Class

C350 2.0L C350 E SPORT 4d AUTO 208 BHP Mercedes Benz C Class

60,000 miles 2015 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Ford Transit

2.0 280 LEADER P/V ECOBLUE 104 BHP Ford Transit

74,717 miles 2021 Zero Deposit

Home Delivery Available

£13,000
Burnley
£216/month
Example
  • Ford Transit

2.0 EcoBlue 130ps Low Roof Limited Van Ford Transit

104,625 miles 2019 Zero Deposit

Home Delivery Available

£13,000
£273/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
19/07/2025

What a brilliant service from start to…

What a brilliant service from start to finish no hassle no stress handled brilliant by Dean dealt with every step of the process on my behalf
Justin Hague
28
19/07/2025

Highly recommend ⭐️⭐️⭐️⭐️⭐️

Great and really helpful everything done quickly and efficiently also always kept me up to date highly recommend ⭐️⭐️⭐️⭐️⭐️
Steven
28
18/07/2025

Very professional

Very professional, the vehicle was well prepared for the collection very happy with the purchase. Highly recommend.
Sebastian Tiplea
28
18/07/2025

Absolutely spot on service

Absolutely spot on service, Jay was always there ready to help me with whatever I needed help with. There was some few issues on the lenders side but apart from that it was quick and easy, they handled majority of the stressful parts! Would recommend
James Keegans
28
27/06/2025

Outstanding service very informative…

Outstanding service very informative and super friendly some of the best customer service I have ever dealt with Dean is a legend and deserves a big bonus
Jonathan Godfrey
28
25/06/2025

Very helpful people

I found a car that perfectly suited my needs, Samantha from CMC was very clear on all the finance details and led me through the process with confidence. After finance agreement was sorted I noticed that the car Ive chosen was manual, but my licence is for automatic cars only. Samantha took all the hustle of dealing with car dealerships for me and quickly found me another car that was suitable and of almost the same cost. I spoke to Samantha on Saturday afternoon and I collected the car on Monday. Very happy!
Juliet
28
16/07/2025

After being rejected by every other…

After being rejected by every other finance company I applied to choosemycar.com I was on the verge of losing hope. But they saw something in me that others didn’t. Their team was incredibly supportive, walking me through the application process with clarity and patience.
L.b
28
16/07/2025

Brilliant Customer Service

The agent who dealt with my application was brilliant. One of the best customer service experiences I have ever had. He responded to emails and text quickly and efficiently, always helpful, and always happy to help.
Brett
28
16/07/2025

they do what they say!!

Spoke to the guys on Thursday and by Tuesday I was in my new car ! Great service great help im sure to recommend them to anybody needing a new car
Stephen lawrence
More Reviews

Cars in Your Area

No Deposit Car Finance for Under £13,000

Zero deposit car finance for cars under £13,000 - no upfront costs and affordable monthly payments to get you driving today. Bad credit is considered.

Bad Credit Car Finance for Under £13,000

Get approved today with flexible terms and affordable monthly payments. Previous defaults, CCJs, and poor credit history are considered.