The Simple Way To Finance Used Cars In Newcastle
96% of people who apply for finance with us get approved. So, if you've got bad credit and have been rejected elsewhere, you still have a good chance with us. Choose from 190+ cars in stock, including first cars, small vehicles, and family SUVs, and drive away with a used car in Newcastle.
Subject to status. UK residents aged 18+.
We are a credit broker, not a lender.
Check your finance options for any used car in Newcastle before you start browsing or try our car finance calculator
Subject to status. UK residents aged 18+.
Featured Used Cars In Newcastle
Our stock of used cars in Newcastle changes every day, so there's always something new to look at. Find small runarounds, roomy family SUVs, and reliable first cars, all at fair prices. Our vehicles meet RAC Approved standards before sale, too. You can also apply for finance while you browse our used cars.
Representative APR: 13.9%
Representative Example for Hire Purchase (HP): Cash price £17,599.00, Annual Interest Rate (fixed) 7.35% p.a., with a representative 13.9% APR, total amount of credit £14,080.00, deposit of £3,519.00, repaying over 59 monthly payments of £320.91 followed by 1 payment of £330.91, total cost of credit is £5,184.60, total amount payable is £22,783.60.*
Why Choose Zoomo Car Credit?
Bad Credit?
You Still Have Options
Don’t have perfect credit? That doesn't mean you're out of options. Many people come to us after a knockback elsewhere. We work with lenders who look at your full situation, not just a number. Anyone looking for bad credit car finance has a high chance of approval with us.
RAC Approved Cars With Warranty
All our cars are checked to RAC Approved Dealer standards before they go on sale. That means key parts are inspected and meet quality checks. Most cars also come with warranty cover, so you're not left guessing after you drive away.
Local Newcastle Team, Serving The North And Scotland
We're based in Newcastle and know the area well. People visit us from Gateshead, Sunderland, and across the North East. We can also arrange delivery to places like Glasgow and Edinburgh. You don't need to live next door to buy from us.
How Car Finance Works
Subject to status. UK residents aged 18+.
01
Apply Online
Fill in our short form. It uses a soft search, so it will not affect your credit score.
02
Choose Your Car
Once approved, browse our 191 vehicles and find the one that suits you.
03
Drive Away
We handle the paperwork. In most cases, you can be on the road in days.
HP vs PCP Car Finance
We offer both HP and PCP financing for second hand cars in Newcastle. HP is best if you want consistent ongoing costs. PCP is better if you want flexibility.
HP - Hire Purchase
You pay a deposit, then fixed monthly payments. When you make the final payment, you own the car outright. Best for people who want straightforward ownership and predictable costs.
PCP - Personal Contract Purchase
Lower monthly payments because you are only financing the depreciation. At the end you can pay a final lump sum to own it, hand it back, or use any equity to part-exchange. Best for people who want flexibility and lower monthly costs.
What Our Customers Say
People come to us after being turned down by other lenders, and many leave with a car they didn't think they could afford. Check out our reviews and read real experiences from real buyers who shopped our cars for sale in Newcastle.
“The saleswoman that helped was incredibly helpful and kind. Lauren made sure that everything was smooth and efficient as possible. Always helped me whenever I had any questions, and put my mind at ease when I was buying my car. Couldn't have wished for a better person to be selling me the car.”
Craig Harris
February 23, 2026
“David was very professional, helpful throughout the whole process. Even coming into work on his day off to handover the car and ensure my satisfaction. Excellent.”
Stephen Carter
May 7, 2026
“Laura was amazing from start to finish. She made everything so easy and kept me updated the whole way through. Nothing was too much trouble and she explained everything clearly, which made the whole process stress-free. I really appreciated how friendly and genuine she was — no pressure, just honest help in finding the right deal for me. Can’t recommend Zoomo Car Credit (and especially Laura) enough!”
Matthew Henderson
Nov 4, 2025
Used Cars In Newcastle And Beyond
We're based in Newcastle and welcome customers from Gateshead, Sunderland, Durham, and beyond every week. Some travel from other areas of the North East to find the right vehicle. We also deliver to Glasgow, Edinburgh, and across Scotland, so distance won't get in the way of your next car.
Ready To Get Started?
Your next car could be closer than you think. Start now and apply for car finance.
Subject to status. UK residents aged 18+.
Frequently asked questions
Do you offer car finance to people with bad credit?
Yes, we do. Many of our customers come to us after being rejected by other car finance options in Newcastle. Bad credit shouldn't stop you from buying the car you need, and that's why we work with specialist lenders who look beyond your credit score.
If you have bad credit, CCJs, defaults, or missed payments, you have a good shot at approval with us. Let's get you back on the road.
How does the finance application process work?
It starts with a quick online application. It'll take you just a few minutes to do. You'll share basic details about your income, address, and credit history. We'll then send your details to our lenders. If approved, you choose a car and review the offer. When you're happy, you sign and collect your car or arrange a delivery. Easy.
Are your used cars covered by a warranty?
Yes. Most of the vehicles at our car dealership in Newcastle come with a warranty. Every car is checked to RAC Approved Dealer standards, as well. Parts are inspected, and the car is only approved for sale if it meets quality checks. Whichever car you choose, you can feel confident on the road.
Can I part exchange my current car?
You can part exchange your car with us. First up, we'll assess its condition and mileage. Then, we'll offer you a fair price based on the current market. That amount can go towards your next car or reduce your finance balance. This can be an easier way to get rid of your old car compared to the hassle of selling it privately.
What finance options do you offer - HP or PCP?
We offer both Hire Purchase and Personal Contract Purchase car finance in Newcastle. HP is a good option if you want to own the car at the end and make fixed monthly payments. PCP usually gives you lower monthly payments, with a final optional payment if you want to hold onto the car.
Our team will talk you through both options.
