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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

253-288 of over 1,000 cars

  • Mazda Cx 3

Cx-3 Hatchback Special Edition Sport Black+ Mazda Cx 3

12,367 miles 2018 Zero Deposit

Home Delivery Available

£12,999
Grimsby
£273/month
Example
  • BMW 3 Series

2.0 330i M Sport Saloon 4dr Petrol Auto Euro 6 (s/ BMW 3 Series

73,160 miles 2016 Zero Deposit

Home Delivery Available

£12,999
Glasgow
£273/month
Example
  • Toyota Yaris

1.5 Vvt H Y20 Bi Tone Hatchback 5dr Petrol Hybrid E CVT Euro 6 (s/s) (100 P Toyota Yaris

31,324 miles 2020 Zero Deposit

Home Delivery Available

£12,999
£216/month
Example
  • Renault Trafic

2.0 dCi ENERGY 28 Sport Panel Van 5dr Diesel Manua Renault Trafic

62,296 miles 2019 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Renault Captur

1.5 dCi ENERGY Signature Nav SUV 5dr Diesel Auto E Renault Captur

14,524 miles 2017 Zero Deposit

Home Delivery Available

£12,999
Watford
£273/month
Example
  • Toyota Prius

1.8L Hybrids Toyota Prius

28,050 miles 2021 Zero Deposit

Home Delivery Available

£12,999
Birmingham
£216/month
Example
  • Vauxhall Mokka

SRI PREMIUM Vauxhall Mokka

54,103 miles 2022 Zero Deposit

Home Delivery Available

£12,999
£216/month
Example
  • BMW X2

1.5 18i M Sport X SUV 5dr Petrol Manual sDrive Eur BMW X2

83,000 miles 2019 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Nissan Juke

1.0 DIG-T Acenta SUV 5dr Petrol Manual Euro 6 (s/s Nissan Juke

21,840 miles 2022 Zero Deposit

Home Delivery Available

£12,999
Newport
£216/month
Example
  • Nissan Juke

1.0 DIG-T Acenta SUV 5dr Petrol Manual Euro 6 (s/s Nissan Juke

28,450 miles 2022 Zero Deposit

Home Delivery Available

£12,999
Newport
£216/month
Example
  • Honda Civic

1.0 VTEC Turbo SR (s/s) 5dr Honda Civic

43,850 miles 2017 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Audi A3

S3 TFSI Quattro 2dr S Tronic Audi A3

86,000 miles 2015 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Ford Transit

2.0 350 EcoBlue Chassis Cab 2dr Diesel Manual RWD Ford Transit

75,000 miles 2019 Zero Deposit

Home Delivery Available

£12,999
Reading
£273/month
Example
  • Honda Civic

1.0 VTEC Turbo SR (s/s) 5dr Honda Civic

43,850 miles 2017 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Mercedes Benz C Class

C200 2.0 C200 Sport (Premium) 7G-Tronic+ Euro 6 (s/s) 5dr Mercedes Benz C Class

74,620 miles 2016 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • MG ZS

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

8,853 miles 2019 Zero Deposit

Home Delivery Available

£12,999
Durham
£273/month
Example
  • MG ZS

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

3,750 miles 2019 Zero Deposit

Home Delivery Available

£12,999
Durham
£273/month
Example
  • Ford Transit

2.0 TDCi 270 Limited L1 H2 5dr Ford Transit

73,000 miles 2018 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • SEAT Ibiza

1.0 TSI XCELLENCE Hatchback 5dr Petrol Manual Euro SEAT Ibiza

23,959 miles 2021 Zero Deposit

Home Delivery Available

£12,999
Newcastle upon Tyne
£216/month
Example
  • Ford Focus

1.5 EcoBoost 150 Active X 5dr Ford Focus

88,619 miles 2019 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Audi A6

2.0 TDI ultra S line S Tronic Euro 6 (s/s) 4dr Audi A6

60,800 miles 2016 Zero Deposit

Home Delivery Available

£12,999
Slough
£273/month
Example
  • Suzuki Swift

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

50 miles 2019 Zero Deposit

Home Delivery Available

£12,999
Peterborough
£273/month
Example
  • Audi Q2

1.6 TDI S line Audi Q2

62,478 miles 2018 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Audi TT

1.8 TFSI Sport Roadster 2dr Petrol Manual Euro 6 (s/s) (180 ps) Audi TT

31,700 miles 2016 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Audi Q2

1.4 TFSI CoD S line Euro 6 (s/s) 5dr Audi Q2

74,000 miles 2017 Zero Deposit

Home Delivery Available

£12,999
Newport
£273/month
Example
  • SEAT Arona

1.0 TSI GPF XCELLENCE Lux SUV 5dr Petrol Manual Eu SEAT Arona

30,372 miles 2019 Zero Deposit

Home Delivery Available

£12,999
Solihull
£273/month
Example
  • Audi A1

1.0 TFSI 30 Technik Sportback 5dr Petrol Manual Eu Audi A1

61,257 miles 2021 Zero Deposit

Home Delivery Available

£12,999
£216/month
Example
  • Mercedes Benz A Class

2.1 A200d AMG Line 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz A Class

57,384 miles 2016 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Vauxhall Vivaro

1.5 Turbo D 2900 Dynamic Panel Van 6dr Diesel Manual L2 H1 Euro 6 (s/s) (10 Vauxhall Vivaro

35,862 miles 2020 Zero Deposit

Home Delivery Available

£12,999
£216/month
Example
  • Honda Cr V

1.6 I Dtec Se Plus Suv 5dr Diesel Manual 4wd Euro 6 (s/s) (160 Ps) Honda Cr V

55,433 miles 2017 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Audi Q2

1.0 TFSI S line SUV 5dr Petrol Manual Euro 6 (s/s) Audi Q2

75,434 miles 2018 Zero Deposit

Home Delivery Available

£12,999
£273/month
Example
  • Volkswagen Caddy

2.0 TDI BlueMotion Tech MPV 5dr Diesel DSG Euro 6 Volkswagen Caddy

14,100 miles 2017 Zero Deposit

Home Delivery Available

£12,999
Norwich
£273/month
Example
  • Ford Focus

1.5 EcoBlue Active X Vignale Hatchback 5dr Diesel Ford Focus

61,359 miles 2021 Zero Deposit

Home Delivery Available

£12,999
Oldham
£216/month
Example
  • Suzuki Ignis

SZ3 DUALJET MHEV Suzuki Ignis

7,500 miles 2021 Zero Deposit

Home Delivery Available

£12,999
£216/month
Example
  • Mercedes Benz C Class

2.1 C220d AMG Line Coupe 2dr Diesel G-Tronic+ Euro 6 (s/s) (170 ps) Mercedes Benz C Class

86,000 miles 2017 Zero Deposit

Home Delivery Available

£12,999
Rotherham
£273/month
Example
  • Volkswagen Scirocco

2.0 TSI BlueMotion Tech R Euro 6 ss 3dr Volkswagen Scirocco

65,000 miles 2015 Zero Deposit

Home Delivery Available

£12,999
£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.