Car Finance in Newcastle
We arrange car finance in Newcastle with a 96% acceptance rate. That means most people who apply are able to purchase a car. If you have been turned down before, it's worth putting in an application with our lenders.
We are a Newcastle-based car finance specialist. You'll connect with a local team that understands how lenders operate. We offer HP and PCP, and we explain both in plain English so you know what you are signing up for.
You can check your options using a soft search. It doesn't affect your credit score. You can see where you stand before you commit to a purchase.
Looking for car finance in Newcastle? Find out what you could borrow before you choose your next car.
Subject to status. UK residents aged 18+.
How It Works
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.
Subject to status. UK residents aged 18+.
HP And PCP Car Finance Options
We offer two options for car finance in Newcastle. HP car finance is the simplest, while PCP car finance gives you more flexibility. We'll talk you through both so you can choose with confidence.
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.
Who We Work With
As a car finance specialist Newcastle drivers trust, we look at more than just your credit score. Our lender panel includes options that high street banks may not offer. That gives you a better chance of getting a fair decision.
Subject to status. UK residents aged 18+.
CCJs
Defaults
Missed Payments
Late Payments
Declined Elsewhere
Benefits Recipients
IVA
Self-Employed
Students
Agency Workers
Sub-Contractors
European Driving Licenses
Discharged Bankrupts
Taxi Drivers
Why Choose Zoomo For Car Finance?
Zoomo is a car dealer in Newcastle that does things differently.
We work with specialist lenders that you won't find at most dealerships. These lenders understand real life. Missed payments, past defaults, or a low credit score don't have to mean an automatic no.
Our team is based right here in Newcastle. You can speak to someone who knows the area and the cars on our forecourt. We take time to explain your options in plain terms, so you know what each choice means for your budget and future.
We have a 96% acceptance rate because we match our clients with the right lender. This helps you avoid wasted applications and reduces the chance of being declined again.
If your credit history is holding you back, read more about
bad credit car finance. You can also use our car finance calculator to get a rough idea of monthly costs before you apply.
Ready To Apply For Car Finance In Newcastle?
Start your application today and have a look at what your options could be.
Subject to status. UK residents aged 18+.
Frequently asked questions
Can I get car finance in Newcastle with bad credit?
Yes, you can still get car finance in Newcastle upon Tyne, even with bad credit. We work with lenders who look past old issues like missed payments or CCJs. Your situation today is important, too, including your income and stability. You won't be judged. Instead, you will get a fair review of your application.
Sub-prime finance is not guaranteed and may cost more than finance provided by a prime lender. We will try to obtain finance for you but there is no guarantee. It may be from a sub-prime lender, and if so, the cost of finance may likely be at a higher rate than prime lenders offer
What car finance options are available in Newcastle?
You will usually see two options when searching for "car finance near me." These are HP and PCP. HP has fixed payments until you own the car. PCP offers lower monthly payments, with options to buy the car at the end.
We'll explain both in detail so you can decide what works best for your budget and plans.
Does applying for car finance affect my credit score?
At the first step, it does not affect your score. We use a soft search to check your options. That means lenders can review your details without leaving a mark on your credit file. This step gives you an idea of what may be available before you commit. You can take your time and look at your options. There's no pressure to act fast.
If you do choose to go ahead with a formal application, a hard search will take place. This is recorded on your credit file and is part of the lender’s final decision.
How quickly can I get approved?
In most cases, you will get a decision the same day. Some applications take a bit longer if a lender needs extra details. We'll keep you updated so you know what's happening. When you're approved, you can choose your car and sort out the next steps.
Do I need a deposit?
Not always. Some lenders offer no deposit car finance, but this depends on your situation and how the lender views your application.
If you have savings, a deposit can reduce your monthly payments and the total amount you repay. A part exchange of your current vehicle can also bring the cost down, as its value goes toward the deal.
If you don't have a deposit, there can still be options. It just depends on the details of your application.
