Bad Credit Car Finance in Newcastle upon Tyne

Looking for bad credit car finance in Newcastle upon Tyne? You've come to the right place. At Zoomo Car Credit, we're a trusted local dealership in Newcastle upon Tyne specialising in helping people with poor credit histories find the right vehicle. We understand that life can throw unexpected challenges your way, and a low credit score shouldn't stop you from getting a reliable car.

As an RAC Approved Dealer, we're committed to offering a range of high-quality, used cars that meet the highest standards. We also adhere to the AA Cars Standard, giving you extra peace of mind. We've helped thousands of people get car finance for bad credit in the Newcastle area and beyond, and we want to help you too.

Quality Used Cars - Available for All Credit Histories

We believe everyone deserves access to a quality vehicle, regardless of their financial history. That's why, unlike many bad credit car finance companies, we not only help with finance but also offer a wide range of cars for sale right here at our used car dealership in Newcastle. Whether you're looking for a small hatchback, a family saloon, or a versatile SUV, we have a diverse selection of makes and models to suit your needs and budget.

Every vehicle on our forecourt is prepared to the highest RAC and AA Cars standards, so you can be confident you're driving away in a safe and reliable car. We also provide a free 3-month warranty with every eligible vehicle, with the option to extend the term up to 48 months for an additional fee. Plus, every eligible vehicle comes with 12 months of free RAC Breakdown Cover.

We're committed to helping people secure bad credit car finance in Newcastle upon Tyne. Browse our current selection of used cars and see which one is right for you.

What is Bad Credit Car Finance?

In simple terms, bad credit car finance is a car loan designed for people with a poor credit history. If you have a low credit score, you might have been turned down by mainstream lenders. This can be due to a range of factors like missed payments, County Court Judgments (CCJs), defaults, or even just a lack of credit history.

We understand these situations and work with a network of specialist lenders who look at more than just your credit score. They'll consider your current financial situation, your income, and your ability to comfortably make repayments. This allows us to find you a deal that works for you, giving you a chance to get a car and potentially improve your credit score for the future.

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How Our Car Finance Process Works

Getting car credit for bad finance with us is a straightforward and stress-free process. Our goal is to make it as simple as possible for you to get behind the wheel of your new car.

• Apply Online: Our online application is quick and simple. It's the fastest way to see what finance options are available to you.
• Choose Your Car: Once you have confirmation from our team, you can browse our wide range of used cars at our Newcastle showroom. Our team is here to help you find the perfect vehicle that fits your budget and lifestyle.
• Drive Away: We'll finalise the paperwork, and you can pick up your new (used) car and drive away happy!
• Support After You Buy: Our commitment doesn't end when you leave the forecourt. With RAC warranty, breakdown cover, and AA Cars Standards, you'll have ongoing support and peace of mind long after you've bought your car.

Car Finance Options Available at Zoomo Car Credit

At Zoomo Car Credit, we offer two main types of bad credit car finance to give you the flexibility you need.

Hire Purchase (HP)

With a Hire Purchase agreement, you'll make fixed monthly payments over an agreed period, and at the end of the term, you'll own the car outright. This is a popular option for those who want to own their vehicle and is a great way to budget for your car. It's also an effective way to help rebuild your credit history.

Personal Contract Purchase (PCP)

A PCP agreement offers lower monthly payments compared to HP because you're only financing the car's depreciation. At the end of the term, you have three choices: you can pay the optional final payment and keep the car, give it back, or use any positive equity as a deposit for a new car. PCP is ideal if you like to upgrade your car more often.

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Why Choose Zoomo Car Credit?

• Local Expertise: We are a local used car dealership in Newcastle, servicing customers across areas such as Gateshead, Sunderland, and Durham. We understand the local market and are dedicated to supporting our community.
• RAC and AA Approved: As an RAC Approved Dealer and an AA Cars Standard dealership, we adhere to the highest standards of vehicle preparation and customer service.
• Inclusive Finance: We specialise in helping people with poor or bad credit profiles get approved. We believe in second chances and will work hard to find a solution for you.
• Wide Car Choice: With a diverse range of used cars for sale, we're sure you'll find a vehicle that fits your needs and budget.

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Can I Get Car Finance for Bad Credit?

We believe that your past financial issues shouldn't prevent you from getting a reliable car. There are a few factors that will affect your approval chances, such as your income, monthly expenses, and current credit profile, but we take all circumstances into careful consideration.

Our friendly team will carry out affordability checks to ensure that any finance package you take on is manageable for your personal circumstances. We've helped countless customers with CCJs, defaults, and poor credit successfully secure car finance with bad credit in Newcastle upon Tyne.

Apply for Bad Credit Car Finance in Newcastle Today

Ready to drive away with car finance for bad credit? Taking the first step towards getting your next car is easier than you think. As a used car dealership in Newcastle, we supply bad credit car finance that Newcastle residents can rely on. Our process is quick, our cars are high-quality, and our team is friendly, knowledgeable and happy to help.

Don't let a low credit score hold you back any longer. Start your journey with us today.

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FAQs About Bad Credit Car Finance