• 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

649-684 of over 1,000 cars

  • Suzuki Swift

1.2 Dualjet SZ3 Hatchback 5dr Petrol Manual (s/s) (90 ps) Suzuki Swift

10 miles 2019 Zero Deposit

Home Delivery Available

£12,995
Doncaster
£273/month
Example
  • SEAT Leon

2.0 TDI FR Technology Hatchback 5dr Diesel (s/s) (150 ps) SEAT Leon

26,169 miles 2017 Zero Deposit

Home Delivery Available

£12,995
Doncaster
£273/month
Example
  • Renault Captur

1.3 TCe Iconic SUV 5dr Petrol (s/s) (130 ps) Renault Captur

1,201 miles 2019 Zero Deposit

Home Delivery Available

£12,995
Doncaster
£273/month
Example
  • Hyundai Tucson

1.7 CRDi Blue Drive SE SUV 5dr Diesel (s/s) (116 ps) Hyundai Tucson

14,920 miles 2016 Zero Deposit

Home Delivery Available

£12,995
Durham
£273/month
Example
  • Volkswagen Id3

BUSINESS 5-Door Volkswagen Id3

16,782 miles 2020 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • SEAT Leon

1.8 TSI FR (Tech Pack) Hatchback 5dr Petrol DSG (s/s) (129 g/km, 178 bhp) SEAT Leon

19,365 miles 2016 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Mercedes Benz A Class

A200 1.6 A200 AMG Line 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz A Class

57,764 miles 2017 Zero Deposit

Home Delivery Available

£12,995
Doncaster
£273/month
Example
  • Ford Tourneo

1.5 TDCi Zetec 5dr WHEELCHAIR ACCESSIBLE VEHICLE 3 SEATS Ford Tourneo

7,825 miles 2020 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • Citroen Dispatch

1000 1.5 BlueHDi 100 Van Enterprise Pro Citroen Dispatch

16,966 miles 2022 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • Vauxhall Insignia

1.5i Turbo GPF SRi VX Line Nav Vauxhall Insignia

48,000 miles 2019 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Volkswagen Passat

2.0 TDI BlueMotion Technology SE Business DSG Automatic Estate Volkswagen Passat

86,314 miles 2016 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • BMW X4

X4 2.0 X4 xDrive20d M Sport BMW X4

93,706 miles 2015 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Ford Transit

2.0 EcoBlue 130ps H3 Leader Van Ford Transit

46,048 miles 2022 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • Ford Mondeo

2.0 TDCi Titanium Hatchback 5dr AUTOMATIC Diesel Ford Mondeo

33,000 miles 2016 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • MG ZS

1.5 VTi-TECH Exclusive SUV 5dr Petrol (s/s) (106 ps) MG ZS

10,962 miles 2019 Zero Deposit

Home Delivery Available

£12,995
Peterborough
£273/month
Example
  • Mazda Mx 5

1.5 SKYACTIV-G Sport Convertible 2dr Petrol Manual Mazda Mx 5

11,800 miles 2016 Zero Deposit

Home Delivery Available

£12,995
Bristol
£273/month
Example
  • Ford Kuga

2.0 TDCi Titanium SUV 5dr Diesel Manual AWD (135 g/km, 178 bhp) Ford Kuga

24,160 miles 2016 Zero Deposit

Home Delivery Available

£12,995
Peterborough
£273/month
Example
  • Suzuki SX4

1.0 Boosterjet SZ-T SUV 5dr Petrol Auto (111 ps) Suzuki SX4

5,424 miles 2017 Zero Deposit

Home Delivery Available

£12,995
Peterborough
£273/month
Example
  • Nissan Qashqai

1.5 dCi Tekna SUV 5dr Diesel Manual (103 g/km, 108 bhp) Nissan Qashqai

21,725 miles 2016 Zero Deposit

Home Delivery Available

£12,995
Middlesbrough
£273/month
Example
  • MG ZS

1.5 VTi-TECH Exclusive SUV 5dr Petrol (s/s) (106 ps) MG ZS

10,297 miles 2019 Zero Deposit

Home Delivery Available

£12,995
Middlesbrough
£273/month
Example
  • Ford Kuga

2.0 TDCi Titanium SUV 5dr Diesel (s/s) (150 ps) Ford Kuga

20,575 miles 2016 Zero Deposit

Home Delivery Available

£12,995
Middlesbrough
£273/month
Example
  • Peugeot 2008

1.2 PureTech GPF Allure SUV 5dr Petrol (s/s) (130 ps) Peugeot 2008

15,138 miles 2019 Zero Deposit

Home Delivery Available

£12,995
Middlesbrough
£273/month
Example
  • Suzuki SX4

1.6 DDiS SZ-T SUV 5dr Diesel Manual (106 g/km, 118 bhp) Suzuki SX4

7,032 miles 2019 Zero Deposit

Home Delivery Available

£12,995
Stoke-on-Trent
£273/month
Example
  • Kia Cee'd

1.0 T-GDi ECO 2 Hatchback 5dr Petrol (s/s) (118 bhp) Kia Cee'd

3,501 miles 2018 Zero Deposit

Home Delivery Available

£12,995
Stoke-on-Trent
£273/month
Example
  • Jaguar F Pace

2.0 D180 Prestige Auto AWD Euro 6 (s/s) 5dr Jaguar F Pace

76,000 miles 2017 Zero Deposit

Home Delivery Available

£12,995
Birmingham
£273/month
Example
  • Ford Ranger

2.0 EcoBlue Limited Auto 4WD Euro 6 (s/s) 4dr Ford Ranger

78,980 miles 2021 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • Suzuki Swift

1.0 Boosterjet SHVS SZ5 (s/s) 5dr Suzuki Swift

1 miles 2019 Zero Deposit

Home Delivery Available

£12,995
Stoke-on-Trent
£273/month
Example
  • BMW 5 Series

2.0 520d M Sport Saloon 4dr Diesel Auto Euro 6 (s/ BMW 5 Series

55,079 miles 2016 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Vauxhall Movano

2.3 CDTi 3500 BiTurbo Edition Vauxhall Movano

52,513 miles 2021 Zero Deposit

Home Delivery Available

£12,995
Dudley
£216/month
Example
  • Suzuki Vitara

1.6 DDiS SZ-T SUV 5dr Diesel (s/s) (120 ps) Suzuki Vitara

12,125 miles 2017 Zero Deposit

Home Delivery Available

£12,995
Stoke-on-Trent
£273/month
Example
  • Toyota AYGO

1.0 VVT i Exclusive Euro 6 (s/s) 5dr Toyota AYGO

13,000 miles 2023 Zero Deposit

Home Delivery Available

£12,995
Shrewsbury
£216/month
Example
  • Volkswagen Tiguan

2.0 TDI SEL SUV 5dr Diesel DSG Euro 6 (s/s) (150 p Volkswagen Tiguan

99,000 miles 2017 Zero Deposit

Home Delivery Available

£12,995
Norwich
£273/month
Example
  • Mazda Mx 5

2.0 SkyActiv-G Sport Nav - 28,900 miles - 2 Owners - Full Sand Leather, Sat Mazda Mx 5

28,900 miles 2016 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Audi A1

1.0 TFSI SPORT 3d 93 BHP Audi A1

23,960 miles 2018 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Ford Focus

1.0 EcoBoost Hybrid mHEV 125 Titanium Edition 5dr Ford Focus

19,000 miles 2021 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • Vauxhall Corsa

1.2 GS 5dr Vauxhall Corsa

16,559 miles 2023 Zero Deposit

Home Delivery Available

£12,995
£216/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.