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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

109-144 of over 1,000 cars

  • Mercedes Benz CLA

2.1 CLA 220 D AMG LINE AUTOMATIC 4d 174 BHP - FREE Mercedes Benz CLA

88,088 miles 2017 Zero Deposit

Home Delivery Available

£13,000
Newcastle upon Tyne
£273/month
Example
  • MINI Convertible

1.6 Cooper 2dr Auto MINI Convertible

29,000 miles 2015 Zero Deposit

Home Delivery Available

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

1.5 A 180 D AMG LINE PREMIUM PLUS 5d 107 BHP Mercedes Benz A Class

69,039 miles 2016 Zero Deposit

Home Delivery Available

£13,000
Newcastle upon Tyne
£273/month
Example
  • BMW 3 Series

2.0 320D M SPORT 4d 181 BHP BMW 3 Series

54,398 miles 2015 Zero Deposit

Home Delivery Available

£13,000
Newcastle upon Tyne
£273/month
Example
  • Citroen C4

1.6 BLUEHDI FLAIR S/S EAT6 5d 118 BHP Citroen C4

38,600 miles 2017 Zero Deposit

Home Delivery Available

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

1.0 EVO Match Hatchback 5dr Petrol Manual Euro 6 ( Volkswagen Polo

23,000 miles 2021 Zero Deposit

Home Delivery Available

£13,000
Cardiff
£216/month
Example
  • Vauxhall Vivaro

L2h1 2900 Combi CDTi Biturbo Ss Vauxhall Vivaro

72,314 miles 2017 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Audi A6

3.0 TDI V6 S Tronic quattro Euro 6 (s/s) 5dr Audi A6

103,386 miles 2016 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Citroen C4

1.2 PureTech Sense Plus 5dr ** Sat Nav + Rear Cam Citroen C4

6,394 miles 2021 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • BMW 3 Series

2.0 330e 12kWh SE Pro Touring 5dr Petrol Plug-in H BMW 3 Series

90,000 miles 2021 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Mitsubishi L200

2.4 DI-D DC Barbarian Auto 4WD Euro 6 4dr Mitsubishi L200

79,000 miles 2017 Zero Deposit

Home Delivery Available

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

1.2 Turbo GS Hatchback 5dr Petrol Manual Euro 6 (s Vauxhall Corsa

5,426 miles 2023 Zero Deposit

Home Delivery Available

£13,000
Maidstone
£216/month
Example
  • Peugeot 2008

50kwh Allure Suv 5dr Electric Auto (136 Ps) Peugeot 2008

22,113 miles 2021 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Nissan Qashqai

1.3 DIG-T Tekna SUV 5dr Petrol Manual Euro 6 (s/s) Nissan Qashqai

46,148 miles 2019 Zero Deposit

Home Delivery Available

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

2.1 CLA220d AMG Line Coupe 4dr Diesel 7G-DCT Euro Mercedes Benz CLA

70,737 miles 2016 Zero Deposit

Home Delivery Available

£13,000
Manchester
£273/month
Example
  • Mazda Cx 3

2.0 SKYACTIV-G GT Sport Auto Euro 6 (s/s) 5dr Mazda Cx 3

24,883 miles 2017 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Audi A6

1.8 TFSI Black Edition S Tronic Euro 6 (s/s) 4dr Audi A6

88,000 miles 2018 Zero Deposit

Home Delivery Available

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

M2 3.0 M235i Coupe 2dr Petrol Auto Euro 6 (s/s) (326 BMW 2 Series

83,000 miles 2015 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Kia Niro

39kWh 2 SUV 5dr Electric Auto (134 bhp) ***128 AA Kia Niro

28,000 miles 2022 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Audi Q3

2.0 TDI S line Plus SUV 5dr Diesel S Tronic quattr Audi Q3

74,000 miles 2016 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Kia Sportage

1.6 T Gdi 4 Suv 5dr Petrol Manual Euro 6 (s/s) (174 Bhp) Kia Sportage

64,458 miles 2019 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Renault Grand Scenic

1.3 TCe Iconic Euro 6 (s/s) 5dr Renault Grand Scenic

25,577 miles 2019 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Honda Jazz

1.3 EX Navi 5dr CVT Honda Jazz

14,451 miles 2015 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • SEAT Arona

1.0 TSI GPF FR SUV 5dr Petrol DSG Euro 6 (s/s) (11 SEAT Arona

30,000 miles 2018 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • BMW 1 Series

1.5 118i M Sport Euro 6 (s/s) 5dr BMW 1 Series

70,000 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 350 EcoBlue Trend FWD L3 H3 Euro 6 (s/s) 5dr Ford Transit

40,000 miles 2021 Zero Deposit

Home Delivery Available

£13,000
£216/month
Example
  • Volvo V40

1.5 T3 GPF R-Design Pro Hatchback 5dr Petrol Auto Volvo V40

39,263 miles 2019 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • Mazda Cx 3

2.0 SKYACTIV-G Sport Nav SUV 5dr Petrol Auto Euro Mazda Cx 3

18,383 miles 2016 Zero Deposit

Home Delivery Available

£13,000
£273/month
Example
  • MG MG HS

1.5 T-GDI Exclusive SUV 5dr Petrol Manual Euro 6 ( MG MG HS

40,608 miles 2022 Zero Deposit

Home Delivery Available

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

1.5 A180d AMG Line (Executive) Hatchback 5dr Diese Mercedes Benz A Class

72,282 miles 2018 Zero Deposit

Home Delivery Available

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

1.5 ECOBLUE TITANIUM SUV 5dr DIESEL AUTOMATIC EURO Ford Kuga

74,000 miles 2020 Zero Deposit

Home Delivery Available

£13,000
Ipswich
£216/month
Example
  • BMW 2 Series

2.0 220i Sport Coupe 2dr Petrol Auto Euro 6 (s/s) BMW 2 Series

60,800 miles 2018 Zero Deposit

Home Delivery Available

£13,000
London
£273/month
Example
  • Land Rover Range Rover Evoque

2.0 D180 S Auto 4WD Euro 6 (s/s) 5dr Land Rover Range Rover Evoque

106,000 miles 2019 Zero Deposit

Home Delivery Available

£13,000
Milton Keynes
£273/month
Example
  • Vauxhall Vivaro

1.5 Turbo D 2900 Prime L2 H1 Euro 6 (s/s) 6dr Vauxhall Vivaro

50,000 miles 2023 Zero Deposit

Home Delivery Available

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

2.0 350 EcoBlue Leader RWD L3 H3 Euro 6 (s/s) 5dr Ford Transit

56,000 miles 2022 Zero Deposit

Home Delivery Available

£13,000
Woking
£216/month
Example
  • Citroen C5

1.2 Aircross PureTech Flair Plus Euro 6 (s/s) 5dr Citroen C5

33,000 miles 2020 Zero Deposit

Home Delivery Available

£13,000
£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
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