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 8.5% 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

  • Volkswagen Polo

1.0 BlueMotion Tech Match Hatchback 5dr Petrol Man Volkswagen Polo

63,089 miles 2016 Zero Deposit

Home Delivery Available

£7,698
£157/month
Example
  • Kia Rio

1.2 2 Hatchback 5dr Petrol Manual Euro 6 (s/s) (83 Kia Rio

57,300 miles 2022 Zero Deposit

Home Delivery Available

£9,495
£193/month
Example
  • Audi A1

1.4 TFSI S line Sportback 5dr Petrol S Tronic Euro Audi A1

74,910 miles 2018 Zero Deposit

Home Delivery Available

£11,385
£232/month
Example
  • Peugeot 208

1.2 PureTech Allure Hatchback 5dr Petrol Manual Eu Peugeot 208

63,164 miles 2021 Zero Deposit

Home Delivery Available

£9,190
£187/month
Example
  • Honda Civic

2.0 i-VTEC Type R GT Hatchback 5dr Petrol Manual E Honda Civic

65,000 miles 2018 Zero Deposit

Home Delivery Available

£24,950
Bedford
£508/month
Example
  • Mercedes Benz A-Class

2.0 A45 AMG S Plus Hatchback 5dr Petrol 8G-DCT 4MA Mercedes Benz A-Class

38,000 miles 2020 Zero Deposit

Home Delivery Available

£34,989
Hemel Hempstead
£555/month
Example
  • Volkswagen Polo

1.0 SE Hatchback 5dr Petrol Manual Euro 6 (s/s) (6 Volkswagen Polo

25,975 miles 2018 Zero Deposit

Home Delivery Available

£11,496
£234/month
Example
  • Mercedes Benz B Class

2.0 B200d AMG Line (Premium) MPV 5dr Diesel 8G-DCT Mercedes Benz B Class

70,190 miles 2019 Zero Deposit

Home Delivery Available

£14,495
Luton
£295/month
Example
  • Audi A1

1.0 TFSI 30 S line Sportback 5dr Petrol Manual Eur Audi A1

67,364 miles 2021 Zero Deposit

Home Delivery Available

£14,495
Luton
£230/month
Example
  • MINI Hatch

2.0 Cooper S Sport Hatchback 3dr Petrol Steptronic MINI Hatch

50,000 miles 2019 Zero Deposit

Home Delivery Available

£13,500
Watford
£275/month
Example
  • Volvo V40

2.0 D2 Inscription Hatchback 5dr Diesel Manual Eur Volvo V40

94,900 miles 2017 Zero Deposit

Home Delivery Available

£6,995
£142/month
Example
  • Mercedes Benz E Class

2.1 E220 BlueTEC AMG Night Edition Saloon 4dr Dies Mercedes Benz E Class

56,921 miles 2016 Zero Deposit

Home Delivery Available

£11,850
£241/month
Example
  • Volkswagen Polo

1.2 TSI Match Edition Hatchback 5dr Petrol Manual Volkswagen Polo

43,478 miles 2017 Zero Deposit

Home Delivery Available

£9,799
Bedford
£199/month
Example
  • Mercedes Benz SL

3.0 SL400 V6 AMG Line Roadster 2dr Petrol G-Tronic Mercedes Benz SL

48,000 miles 2017 Zero Deposit

Home Delivery Available

£29,995
Milton Keynes
£611/month
Example
  • Audi TT

1.8 TFSI Black Edition Coupe 3dr Petrol Manual Eur Audi TT

62,564 miles 2017 Zero Deposit

Home Delivery Available

£13,350
Luton
£272/month
Example
  • Audi S3

2.0 TFSI Cabriolet 2dr Petrol S Tronic quattro Eur Audi S3

51,200 miles 2019 Zero Deposit

Home Delivery Available

£19,489
£397/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.

We would love to hear from you