Look No Further For Bad Credit Car Loans. Zoomo Car Credit Can Help
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Get bad credit 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.”

Bad Credit Car Loans

Getting finance with bad or no credit history can be a frustrating process. These factors can work against you and make finding the car you want more difficult than you anticipated. Luckily, Zoomo Car Credit are here to help.

We offer no or bad credit car loans regardless of your past financial situation. Even if you’re self-employed, have had CCJs or defaults or have been refused elsewhere, we will consider your application.

We work with a select group of lenders who will provide you with the best chance of getting accepted. This is what we pride ourselves on, and it’s why we’re one of the North East’s go-to businesses for those seeking a bad credit car loan. If you’re looking for car finance with bad credit in Newcastle, you’re in the right place. Get to know our team today.

Here at Zoomo, we’re proud members of the Henson Motor Group, who have more than 25 years of experience in the car trade and finance. We are also authenticated and regulated by the Financial Conduct Authority and every member of our team is SAF certified and highly trained, not high pressure.

Zoomo is the place for bad credit car loans

At Zoomo, we understand that poor credit is sometimes simply part of life. Between missed payments and debt struggles, maintaining a perfect credit score isn’t always possible, which is why we guarantee to treat you as more than just a number.

If you aren’t sure what your credit score is, you can check it for free using a range of different websites. Some of the most reliable include Experian, ClearScore and Noddle. This will give you a clearer idea of the kind of loan you should be seeking, but at Zoomo we promise to consider your application even if you have a bad credit score or no credit history at all.

The team at Zoomo will never judge you. We believe that everybody deserves to find the car they need and want, and a bad credit score shouldn’t stop you from being able to do this. If you’re looking for more information on all things cars, you can get in touch with our team today, or even check out our blog.

Call today on 0191 238 10 84 and find out how we can help!

Got a question about poor credit car loans?

What if I’ve been refused elsewhere?

At Zoomo, we welcome applications from all loan-seekers. We happily offer poor credit car loans to those who have been refused finance elsewhere.

What if I’ve had a CCJ or IVA?

That’s no problem! Even if you’ve had CCJs or defaults, we will still consider your finance application. We base our loans on you and your circumstances, not just on numbers.

How can I get a car loan with bad credit?

Just get in touch with Zoomo today! Our application process is quick and simple, and we’ll be sure to get back to you quickly.

Do I need a deposit to buy a car if I have bad credit?

In most cases, we can arrange no deposit car finance for you, depending on the kind of car you choose.

I am self-employed with bad credit; can I still get a car loan?

Of course! Zoomo is happy to offer car loans to self-employed individuals. We know how brave it is to start your own business, and we don’t think you should be penalised for this. We only ask that you have an income of £1,000 a month or more.

Getting car finance with bad credit is easy with Zoomo. See for yourself.


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

Bad credit car loans from Zoomo

  1. We have helped countless people throughout the North East get the car finance they’re looking for, regardless of credit score, current employment status or past financial situations. We choose to base our car loan services on you and your circumstances, not just a single number. That’s why we’re the best choice for bad credit car loans:
    1. Zoomo have worked with a variety of people in a range of situations, including those who are self-employed and people who have been refused finance elsewhere.
    2. We can help you despite any defaults or CCJs, as long as you have an income of £1,000 a month.
    3. We work with a panel of trusted lenders, helping to give you access to a huge selection of financial options.
    4. We have more than 150 great cars onsite and more than 3,000 as part of Henson Motor Group.
    5. We are 5-star rated on Facebook and Google Reviews.
    6. We are a proud local company looking to provide car finance to those who need it in the simplest way.

    Our friendly team can help you through every step of your application (it only takes 30 seconds!) Once you’re approved, the fun really begins. We have a huge selection of cars for you to choose from. 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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