Used Cars for Sale in Colchester | Discover Local Vehicles

Find and finance your next used car in and around Colchester with ChooseMyCar

Reviews 4386 • Excellent

ChooseMyCar operates as a credit broker, not a lender. We offer a variety of car finance options to suit different needs, including popular choices like Hire Purchase (HP) and Personal Contract Purchase (PCP), as well as specialised services. Our goal is straightforward: to make car financing easy and accessible for everyone. Interest rates start from 9.9% APR. For example, if you borrow £9,000 over 60 months months with a REPRESENTATIVE APR of 19.9% and no deposit, the monthly payment would be £229.95. The total cost would be £4,797.00, making the total amount payable £13,797.00.

Affordable Used Cars for Sale in Colchester

  • Mercedes Benz A-Class

A200d Sport 5dr Auto Mercedes Benz A-Class

56,800 miles 2019 Zero Deposit

Home Delivery Available

£13,995
Ipswich
£294/month
Example
  • Hyundai Tucson

1.6 TGDi Plug-in Hybrid N Line 5dr 4WD Auto Hyundai Tucson

11,540 miles 2023 Zero Deposit

Home Delivery Available

£21,990
Colchester
£366/month
Example
  • Toyota C HR

1.8 VVT-h Icon CVT Euro 6 (s/s) 5dr Toyota C HR

70,000 miles 2023 Zero Deposit

Home Delivery Available

£15,000
£250/month
Example
  • Ford Focus

1.0 T EcoBoost Titanium Ford Focus

77,000 miles 2017 Zero Deposit

Home Delivery Available

£5,199
Colchester
£109/month
Example
  • Ford Focus

1.0T EcoBoost Titanium Hatchback 5dr Petrol Manual Ford Focus

31,693 miles 2020 Zero Deposit

Home Delivery Available

£11,295
Colchester
£237/month
Example
  • Volvo V40 Cross Country

2.0 D3 Pro Hatchback 5dr Diesel Auto Euro 6 (s/s) Volvo V40 Cross Country

70,694 miles 2016 Zero Deposit

Home Delivery Available

£9,495
Colchester
£199/month
Example
  • BMW 3 Series

2.0 320d M Sport Saloon 4dr Diesel Auto Euro 6 (s/ BMW 3 Series

58,000 miles 2019 Zero Deposit

Home Delivery Available

£15,995
£336/month
Example
  • Peugeot 2008

1.2 PureTech GT Line EAT Euro 6 (s/s) 5dr Peugeot 2008

54,000 miles 2016 Zero Deposit

Home Delivery Available

£8,000
£168/month
Example
  • Ford Focus

1.0T EcoBoost MHEV ST-Line DCT Euro 6 (s/s) 5dr Ford Focus

77,000 miles 2024 Zero Deposit

Home Delivery Available

£13,450
£224/month
Example
  • Ford Focus

1.0T EcoBoost MHEV ST-Line X Edition Hatchback 5dr Ford Focus

79,000 miles 2020 Zero Deposit

Home Delivery Available

£10,495
£220/month
Example
  • Ford Fiesta

1.6T EcoBoost ST-2 Hatchback 3dr Petrol Manual Eur Ford Fiesta

76,000 miles 2017 Zero Deposit

Home Delivery Available

£7,980
Colchester
£167/month
Example
  • BMW 1 Series

1.5 116d M Sport Shadow Edition Hatchback 5dr Dies BMW 1 Series

64,000 miles 2019 Zero Deposit

Home Delivery Available

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

2.0 ECOBLUE VIGNALE ESTATE 5dr DIESEL AUTOMATIC EU Ford Focus

102,609 miles 2019 Zero Deposit

Home Delivery Available

£8,500
Ipswich
£178/month
Example
  • Mercedes Benz A-Class

1.5 A180d AMG Line Hatchback 5dr Diesel 7G-DCT Eur Mercedes Benz A-Class

63,650 miles 2016 Zero Deposit

Home Delivery Available

£10,495
£220/month
Example
  • BMW 4 Series Gran Coupe

3.0 435d xDrive M Sport Gran Coupe BMW 4 Series Gran Coupe

65,135 miles 2019 Zero Deposit

Home Delivery Available

£24,990
£524/month
Example
  • MINI Electric Hatch

Electric Multitone Edition MINI Electric Hatch

9,145 miles 2022 Zero Deposit

Home Delivery Available

£14,990
£249/month
Example

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Learn More About Car Finance

Car Finance Deals Colchester

When you need a new car and car finance in Colchester, ChooseMyCar is your first destination. We are the experts in finding you the right car and the right finance deal, whatever your circumstances. Whether you have no deposit, bad credit history or want to part exchange, we are here to find you the car that you need. ChooseMyCar.com works with a national network of over 2,500 car dealers that have all of the latest makes and models to suit your budget and needs.

Find full details online, contact us to choose your car and we’ll arrange the finance and negotiations for you. When it’s all good to go your car will be delivered directly to your door – it couldn't be easier!

Person exploring interior of red car
Financial advisor meeting with client

Bad Credit Car Finance Colchester

Worried about your credit history? Don't be. ChooseMyCar, right here in Colchester, can provide ready access to bad credit car finance, from a large panel of trusted lenders. Whatever your financial position and history, we can find you the finance deal you need – even if you don't have a deposit. We also handle the entire application process and negotiations for you, so it's stress-free and easy.

We're here to find the right lender and the right deal for you so that you can relax and look forward to taking ownership of your new car.

No Deposit Car Finance Deals in Colchester

At ChooseMyCar, we offer no deposit car finance in Colchester through lenders specialising in zero-down deals, increasing your approval chances.

Our network of Colchester lenders and dedicated account managers help you make informed decisions, making car ownership more accessible.

Couple smiling and holding piggy bank

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 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £229.95 per month, with a total cost of credit of £4,797.00 and a total amount payable of £13,797.00

We’re rated Excellent on Trustpilot

4.9 out of 5 on 4386 Reviews

28
01/03/2026

Reece was excellent!

Reece was excellent. As was his colleague, great car and fair price. Finance was transparent so i knew how much choosemycar were making on the deal, which i appreciated!
Harry

Frequently Asked Questions

Absolutely! Our team will guide you through the whole process, from arranging finance to securing your car and getting it delivered right to your door. When you buy it, we'll arrange for it to be picked up and delivered to you in Colchester as soon as the paperwork is complete - just tell us what you need.

Dealership warranties vary, typically lasting 12 months. Newer cars may have longer original warranties. Electric vehicles often have extended coverage. Always check with your local dealership In Colchester, for specific used car warranty details.