Used Cars for Sale in Luton | Discover Local Vehicles

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

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

Polo Match 1.0 TSI 95PS 7-speed DSG 5 Door Volkswagen Polo

3,758 miles 2025 Zero Deposit

Home Delivery Available

£20,088
Milton Keynes
£319/month
Example
  • Volvo V40

V40 D4 [190] Inscription 5dr Volvo V40

74,000 miles 2016 Zero Deposit

Home Delivery Available

£8,435
£172/month
Example
  • Mazda Cx 3

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

60,200 miles 2016 Zero Deposit

Home Delivery Available

£8,490
£173/month
Example
  • Vauxhall ADAM

1.2 i ecoFLEX ENERGISED *APPLY FOR FINANCE ON OUR WEBSITE* Vauxhall ADAM

87,000 miles 2016 Zero Deposit

Home Delivery Available

£4,290
Bedford
£87/month
Example
  • Hyundai i30

1.0 T-GDi Blue Drive SE Hatchback 5dr Petrol Manua Hyundai i30

46,542 miles 2019 Zero Deposit

Home Delivery Available

£8,810
Luton
£179/month
Example
  • MINI Hatch

1.5 Cooper Sport Euro 6 (s/s) 3dr MINI Hatch

29,270 miles 2022 Zero Deposit

Home Delivery Available

£15,499
£246/month
Example
  • Peugeot 208

1.2 PureTech GT Premium EAT Euro 6 (s/s) 5dr Peugeot 208

29,546 miles 2022 Zero Deposit

Home Delivery Available

£13,999
£222/month
Example
  • Volkswagen Golf

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

67,488 miles 2016 Zero Deposit

Home Delivery Available

£12,499
Watford
£254/month
Example
  • Suzuki Grand Vitara

1.6 SZ-T SUV 5dr Petrol Manual Euro 6 (s/s) (120 ps) Suzuki Grand Vitara

89,310 miles 2017 Zero Deposit

Home Delivery Available

£7,489
£152/month
Example
  • Lexus NX

300H LUXURY Lexus NX

102,615 miles 2018 Zero Deposit

Home Delivery Available

£13,755
Luton
£280/month
Example
  • Toyota AYGO

1.0 VVT-i x-play Hatchback 5dr Petrol Manual Euro Toyota AYGO

51,977 miles 2021 Zero Deposit

Home Delivery Available

£7,298
£148/month
Example
  • Kia Rio

1.25 2 Hatchback 5dr Petrol Manual Euro 6 (84 Bhp) Kia Rio

76,057 miles 2016 Zero Deposit

Home Delivery Available

£4,899
£100/month
Example
  • BMW 7 Series

730D BMW 7 Series

40,825 miles 2016 Zero Deposit

Home Delivery Available

£18,995
Luton
£387/month
Example
  • Ford Fiesta

1.0T EcoBoost Zetec Euro 6 (s/s) 3dr Ford Fiesta

77,000 miles 2016 Zero Deposit

Home Delivery Available

£3,799
Milton Keynes
£77/month
Example
  • BMW 3 Series

2.0 330e 12kWh M Sport Touring Auto xDrive Euro 6 (s/s) 5dr BMW 3 Series

93,000 miles 2021 Zero Deposit

Home Delivery Available

£15,995
Milton Keynes
£254/month
Example
  • Volkswagen Tiguan

TIGUAN 1.5 eTSI 150 Elegance 5dr DSG Volkswagen Tiguan

14,500 miles 2025 Zero Deposit

Home Delivery Available

£29,360
£466/month
Example

Browse Cars By Make

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 5144 Reviews

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