Looking For Bad Credit Car Finance? Zoomo Car Credit Can Help
0191 238 1084 Apply Today
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Struggling to get car finance?

We have a large panel of lenders
finance packages tailored to you
Part of the Henson Motor Group
Over 25 years experience
Bad Credit Car Finance

We make applying for car finance easy

Apply online
Zoom through our simple application in 30 seconds.
Choose a car
Once accepted, choose the car you really want. We’ve got thousands in stock.
Drive away today
Sign the paperwork, collect the car, and drive away with nothing to pay!

Representative Credit Example: Vehicle Price: £5000. Cash Deposit: £0.00. Balance to Finance: £5000. Total Charge for Credit: £3021. Total Amount Payable: £8021. Representative Fixed APR: 28.99%. Monthly Payment: £160.42. Agreement Duration: 50 months.

Why Choose us?

1 We use a trusted panel of lenders who specialise in getting you the best deal around.

2 We have over 30 years experience helping customers with poor credit ratings.

3 We are part of the Henson Motor Group so we are a name you can trust.

4 Our secure application form takes 30 seconds to fill in and our finance experts will get back to you quickly to help.

5 Our customers like to leave reviews on our service.

If you have a poor credit history, and are looking for a car get in touch today by filling in our application form above.


Customer reviews

Connor Alexander gave 5 star review

“Applied online and was accepted within the hour. Excellent service from Jan and Ryan. The rates were fantastic and I am so pleased with my BMW 1 series. Highly Recommend”

Latifah Hannaford gave 5 star review

“Ryan was super helpful today! Thank you for all your help easy process from start to finish!”

Julie Edmonds gave 5 star review

“Great company. Sorted my car finance with no problems, friendly efficient service.”

Looking for bad credit car finance Newcastle? You’re in the right place!

In an ideal world, we’d all have a perfect credit score all of the time. Unfortunately, life happens, and this often involves missed payments or struggles with debts. This can lead to a bad credit score, which can come back to haunt you when you’re trying to apply for things like car finance.

However, here at Zoomo we understand that it isn’t easy to keep your credit score in tip-top condition, and we don’t think a bad credit score should stop you from being able to receive the finance you need for essentials like a car. That’s why we’re proud to offer bad credit car finance for customers with a range of credit histories.

If your financial past includes CCJs, late payments or mortgage arrears, you don’t need to lose hope of acquiring car finance even if you’ve been refused elsewhere. Zoomo are bad credit car finance experts, and we’re determined to find a car finance solution that suits you.

With more than 25 years of experience in car trade finance, we’re the experts you need. Not only is Zoomo part of the Henson Motor Group, we are also regulated by the Financial Conduct Authority. All of our staff are SAF certified and highly trained. This means that we always try our absolute hardest to find bad car credit loans even if you’ve been refused elsewhere.

Bad credit car, Newcastle: Zoomo is here to help

At Zoomo, we work alongside a range of trusted lenders to ensure that you find the vehicle best suited to your needs. We look at more than just your credit score – we get to know you as a person and understand your situation fully.

Unlike other lenders, Zoomo is a local company, and we’re always happy to be a friendly face when you’ve been rejected for car finance elsewhere. We look to take your situation into account, making sure the proposed monthly repayments are within budget.

Zoomo aren’t here to judge. We understand that bad credit is sometimes just part of life, and so is car finance. We don’t believe one should cancel out the other. That’s why we promise to do everything we can to find you car finance despite bad credit. We also want to provide you with as much useful guidance and information as possible on all things car-related (we even have a blog dedicated to doing just that!)

So what are you waiting for? Call 0191 238 1084 and lets get chatting about cars.


Audi A1

1 of 8 in Stock
from £3999

BMW 1 Series

1 of 6 in Stock
from £5999

VW Golf

1 of 9 in Stock
from £4999

Ford Focus

1 of 10 in Stock
from £3999

BMW 3 Series

1 of 8 in Stock
from £4999

Nissan Juke

1 of 10 in Stock
from £3999

Vauxhall Insignia

1 of 10 in Stock
from £3999

Focus S Max

1 of 9 in Stock
from £3999

You’re in the best place to get car finance for people with bad credit

  1. Zoomo has worked with people in all circumstance, from self-employed individuals to those who been refused finance elsewhere. If you have an income of £1,000 a month we can help you regardless of CCJs or defaults.
  2. We work with a large panel of trusted lenders, giving us access to a wide range of finance packages that can be tailored to various circumstances.
  3. We have over 250 cars onsite and access to 3,000 cars from the Henson Motor Group.
  4. We are 5 star rated by our customers see Facebook & Google reviews
  5. We are a local company and we are here to help you.

We have helped people throughout the North East get the finance they need. Thanks to our bad credit car Newcastle loans, you won’t be automatically rejected purely based on your credit score, past finance situations or current employment status. We base our financial services on you specifically. At Zoomo, you’re more than just a statistic.

We’ll help you through every step of your car finance application, and once you’re approved the fun can really begin! We have a huge selection of vehicles for you to choose from, so there’s endless possibilities to find the perfect bad credit cars for your needs. Explore our vehicles for yourself today.

Apply Now
Zoomo Car Henson Motor Group

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Latest News

Bad Credit BMW Financing

Bad Credit BMW Financing Here at Zoomo, we consider applications from all people no matter what your credit score is, so if you’ve been declined elsewhere or don’t have any credit history at all, we can still help you get the bad credit BMW financing you need. We make applying for BMW bad credit finance […]


Helpful friendly staff. Quick and easy process!

Fantastic dealer, really quick at getting finance in place and extremely helpful friendly staff. Would recommend to everyone.

Very friendly staff! Go out there way to get you what you want and very easy process. Would recommend to anyone if you're wanting to buy a car or finance. Thank you :)

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