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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

721-756 of over 1,000 cars

  • Audi A3

2.0 TDI S line Sportback 5dr Diesel Manual (Nav) (109 g/km, 148 bhp) Audi A3

47,397 miles 2015 Zero Deposit

Home Delivery Available

£12,995
Lincoln
£273/month
Example
  • Vauxhall Mokka

1.4i Turbo ecoTEC Active SUV 5dr Petrol (s/s) (140 ps) Vauxhall Mokka

9,000 miles 2018 Zero Deposit

Home Delivery Available

£12,995
Lincoln
£273/month
Example
  • Land Rover Discovery Sport

2.0 TD4 HSE 5d 180 BHP Land Rover Discovery Sport

71,900 miles 2016 Zero Deposit

Home Delivery Available

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

1.0T EcoBoost ST-Line Hatchback 5dr Petrol (s/s) (140 ps) Ford Focus

20,296 miles 2017 Zero Deposit

Home Delivery Available

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

TITANIUM X TDCI Ford Kuga

76,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.2 TSI Match Edition Hatchback 5dr Petrol DSG Euro 6 (s/s) (90 ps) Volkswagen Polo

19,674 miles 2017 Zero Deposit

Home Delivery Available

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

1.4 TSI SE DSG Euro 6 ss 5dr Volkswagen Sharan

61,575 miles 2017 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Audi Q3

1.4 TFSi AUTOMATIC *ONE LADY OWNER* *SAT NAV* Audi Q3

63,000 miles 2015 Zero Deposit

Home Delivery Available

£12,995
Eastbourne
£273/month
Example
  • BMW 1 Series

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

50,232 miles 2019 Zero Deposit

Home Delivery Available

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

1.5 Turbo D 2900 Sportive Vauxhall Vivaro

87,800 miles 2020 Zero Deposit

Home Delivery Available

£12,995
Dudley
£216/month
Example
  • Volkswagen Passat

1.6 TDI SE Nav Saloon 4dr Diesel DSG Euro 6 (s/s) Volkswagen Passat

60,474 miles 2019 Zero Deposit

Home Delivery Available

£12,995
Luton
£273/month
Example
  • Peugeot 308

1.6 THP GTi by Peugeot Sport Euro 6 (s/s) 5dr Peugeot 308

40,000 miles 2016 Zero Deposit

Home Delivery Available

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

1.0t Ecoboost Titanium Hatchback 5dr Petrol Manual Euro 6 (s/s) (125 Ps) Ford Focus

22,258 miles 2019 Zero Deposit

Home Delivery Available

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

1.2 Turbo SRi Nav 5dr Vauxhall Grandland

33,000 miles 2020 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • BMW 3 Series

2.0 320d SE Auto Euro 6 (s/s) 4dr BMW 3 Series

54,255 miles 2018 Zero Deposit

Home Delivery Available

£12,995
Barnsley
£273/month
Example
  • MINI Clubman

1.5 Cooper Estate 6dr Petrol Auto Euro 6 (s/s) (13 MINI Clubman

25,170 miles 2016 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Kia Sportage

1.6 GDi Edition 25 SUV 5dr Petrol Manual Euro 6 (s Kia Sportage

59,455 miles 2019 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Renault Kadjar

1.5 Blue dCi S Edition SUV 5dr Diesel Manual Euro Renault Kadjar

28,000 miles 2019 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • BMW 1 Series

116 116i M Sport 3-door BMW 1 Series

20,815 miles 2015 Zero Deposit

Home Delivery Available

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

2.0 350 EcoBlue Trend Panel Van 5dr Diesel Manual Ford Transit

73,000 miles 2022 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • BMW 3 Series

2.0 320d M Sport Touring Auto Euro 6 (s/s) 5dr BMW 3 Series

41,000 miles 2017 Zero Deposit

Home Delivery Available

£12,995
Birmingham
£273/month
Example
  • Suzuki Swift

1.0 Boosterjet SZ-T Hatchback 5dr Petrol (111 ps) Suzuki Swift

10 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 A200d Sport Mercedes Benz A Class

24 miles 2020 Zero Deposit

Home Delivery Available

£12,995
Wolverhampton
£216/month
Example
  • Tesla Model-3

Standard Range Plus Auto RWD 4dr Tesla Model-3

71,000 miles 2019 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Dacia Sandero Stepway

Stepway 1.0 Tce 90 Cmft Au Dacia Sandero Stepway

20,382 miles 2021 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • Toyota Hi Lux

Active Extra Cab Pick Up 2.4 D-4D Toyota Hi Lux

94,000 miles 2016 Zero Deposit

Home Delivery Available

£12,995
£273/month
Example
  • Toyota Yaris

1.5 VVT-h Icon Tech E-CVT Euro 6 (s/s) 5dr Toyota Yaris

14,971 miles 2017 Zero Deposit

Home Delivery Available

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

1.6 CDTi 2900 Sportive L2 H1 Euro 6 5dr Vauxhall Vivaro

73,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.0 Boosterjet SZ4 SUV 5dr Petrol Manual (120 g/km, 109 bhp) Suzuki SX4

10 miles 2019 Zero Deposit

Home Delivery Available

£12,995
Doncaster
£273/month
Example
  • Skoda Fabia

1.0 TSI Monte Carlo Euro 6 (s/s) 5dr Skoda Fabia

14,736 miles 2020 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • Skoda Fabia

1.0 TSI Monte Carlo 5dr Skoda Fabia

14,736 miles 2020 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • Renault Clio

1.6 E-TECH S Edition Auto Euro 6 (s/s) 5dr Renault Clio

28,533 miles 2021 Zero Deposit

Home Delivery Available

£12,995
£216/month
Example
  • Volkswagen Touareg

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

95,000 miles 2015 Zero Deposit

Home Delivery Available

£12,995
High Wycombe
£273/month
Example
  • Land Rover Discovery Sport

2.0 TD4 SE TECH Land Rover Discovery Sport

58,445 miles 2016 Zero Deposit

Home Delivery Available

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

E220 2.1L E220 BLUETEC AMG NIGHT EDITION 5d AUTO 174 BH Mercedes Benz E Class

85,000 miles 2015 Zero Deposit

Home Delivery Available

£12,995
Sheffield
£273/month
Example
  • Volvo V40

2.0 T3 R-Design Nav Plus Hatchback 5dr Petrol (s/s) (152 ps) Volvo V40

33,498 miles 2016 Zero Deposit

Home Delivery Available

£12,995
Doncaster
£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

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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.