Apply for Car Finance Without Affecting Your Credit Score

It takes just a few minutes to apply for car finance online. We use a soft search, which allows you to find out what your finance options could be without impacting your credit score.


We have a 96% acceptance rate for car finance in Newcastle, and there's no obligation to go ahead.


Find out what you could borrow today.

Want to know how much you could borrow? Find out in minutes. It doesn't impact your credit score.

Subject to status. UK residents aged 18+.

Why Apply With Zoomo?

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No Credit Score Impact

At first, we use a car finance soft search. Lenders review your details, but this doesn't leave a mark on your credit file.

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96% Acceptance Rate

Need bad credit car finance? We work with lenders who look at your present situation, not your past.

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Real People Review Your Application

Real people review your application, not a system or a computer. That gives you a fair chance based on your situation.

Who Can Apply?

Most people can apply for car finance with us. If you earn an income and can afford the payments, it's worth checking your options – even if you have bad credit.

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CCJs

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Defaults

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Missed Payments

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Late Payments

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Declined Elsewhere

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Benefits Recipients

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IVA

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Self-Employed

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Students

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Agency Workers

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Sub-Contractors

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European Driving Licences

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Discharged Bankrupts

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Taxi Drivers

Subject to status. UK residents aged 18+.

Frequently Asked Questions

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  • Will applying affect my credit score?

    When you apply for car finance, the first step uses what's called a "soft search". This means lenders can look over your details without leaving a mark on your credit file. You can see your options before making any decision.


    If you do choose to go ahead, a full application will involve a hard search. This will impact your credit score.

  • How long does the application take?

    Most applications take just a few minutes to complete. You fill in a short online form with your details, and the system checks what your options might be. In most cases, you will receive a response the same day.


    Some applications take longer if a lender needs more information, but you'll always know what's happening next.

  • What information do I need?

    For a car finance eligibility check, you will need some basic details. That includes your address history, employment and income. You don't need piles of paperwork to get started, just simple information that captures your current situation. This helps lenders understand what you can afford and what options may suit you best.

  • What happens after I apply?

    When you apply, lenders review your details and give you choices that match your situation. If you're happy, you can choose a deal and browse our cars. After that, we'll arrange the final steps with you.

  • Is there any obligation?

    There is no obligation to go ahead with a purchase after you apply. You can find out what's available to you and look at the figures before you make a decision.


    If you want to plan ahead, you can also use the car finance calculator. This gives you an idea of what your monthly costs could be.