Used Cars for Sale in Luton | Discover Local Vehicles

Find and finance your next used car in and around Luton 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 Luton

  • Skoda Octavia

2.0 TDI vRS Euro 6 (s/s) 5dr (SNav) Skoda Octavia

79,741 miles 2016 Zero Deposit

Home Delivery Available

£10,594
£222/month
Example
  • Vauxhall Astra

2.0T VXR Euro 6 (s/s) 3dr Vauxhall Astra

35,452 miles 2018 Zero Deposit

Home Delivery Available

£15,994
£336/month
Example
  • BMW 3 Series

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

57,175 miles 2018 Zero Deposit

Home Delivery Available

£13,135
£276/month
Example
  • Alfa Romeo Giulia

2.2 TD Super Auto Euro 6 (s/s) 4dr Alfa Romeo Giulia

81,400 miles 2018 Zero Deposit

Home Delivery Available

£10,329
£217/month
Example
  • Hyundai Tucson

1.6 GDi Blue Drive SE Nav Euro 6 (s/s) 5dr Hyundai Tucson

66,455 miles 2018 Zero Deposit

Home Delivery Available

£9,266
£194/month
Example
  • Mercedes Benz A-Class

1.5 A180d Sport 7G-DCT Euro 6 (s/s) 5dr Mercedes Benz A-Class

63,601 miles 2016 Zero Deposit

Home Delivery Available

£9,900
£208/month
Example
  • Volkswagen Golf

2.0 TDI BlueMotion Tech GTD Euro 6 (s/s) 5dr Volkswagen Golf

60,965 miles 2016 Zero Deposit

Home Delivery Available

£12,649
£265/month
Example
  • Volkswagen UP

1.0 Move up! Euro 6 (s/s) 5dr Volkswagen UP

9,333 miles 2018 Zero Deposit

Home Delivery Available

£8,999
Watford
£189/month
Example
  • SEAT Ibiza

1.2 TSI FR Sport Coupe Euro 6 3dr SEAT Ibiza

52,525 miles 2016 Zero Deposit

Home Delivery Available

£6,999
Watford
£147/month
Example
  • Ford Fiesta

1.0 T EcoBoost ST-Line Ford Fiesta

66,855 miles 2018 Zero Deposit

Home Delivery Available

£7,495
£157/month
Example
  • Ford Fiesta

1.1 Ti-VCT Zetec Ford Fiesta

75,803 miles 2018 Zero Deposit

Home Delivery Available

£5,495
£115/month
Example
  • Ford Fiesta

1.0 T EcoBoost ST-Line Ford Fiesta

55,000 miles 2017 Zero Deposit

Home Delivery Available

£5,995
£126/month
Example
  • Jaguar XF

2.0i R-Sport GPF Sportbrake 5dr Petrol Auto Euro 6 Jaguar XF

22,600 miles 2019 Zero Deposit

Home Delivery Available

£20,000
£420/month
Example
  • BMW 1 Series

2.0 118d Sport Hatchback 5dr Diesel Manual Euro 6 BMW 1 Series

86,570 miles 2016 Zero Deposit

Home Delivery Available

£6,795
Luton
£142/month
Example
  • Volkswagen Golf

2.0 TSI BlueMotion Tech GTI PERFORMANCE Hatchback Volkswagen Golf

77,129 miles 2016 Zero Deposit

Home Delivery Available

£14,275
Luton
£299/month
Example
  • BMW 1 Series

2.0 118d M Sport Shadow Edition Hatchback 5dr Dies BMW 1 Series

59,973 miles 2018 Zero Deposit

Home Delivery Available

£13,495
Luton
£283/month
Example

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Learn More About Car Finance

Car Finance Deals Luton

When you need a new car and car finance in Luton, 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 Luton

Worried about your credit history? Don't be. ChooseMyCar, right here in Luton, 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 Luton

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

Our network of Luton 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 Luton 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 Luton, for specific used car warranty details.