Get Car Finance With Bad Credit With Zoomo Car Credit
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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

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

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.”

Car Finance Bad Credit

We’d all love to have a perfect credit score, but missed payments and struggles with debts are often just part of life. Unfortunately, these factors can end up damaging your credit score until what you’re left with can only be described as the dreaded ‘bad credit’.

If you’re looking for car finance, bad credit can make the process a whole lot more difficult. However, the team at Zoomo know that maintaining a good credit score can be extremely difficult. We don’t believe this should stop you bring able to apply for finance for the essential things you need, like a car.

That’s why we’re happy to help you find car finance with bad credit.

At Zoomo Car Credit, you’re more than a number. We consider your application based on your circumstances overall, not just your credit score. We also work with a number of trusted lenders, making it easy for you to find the vehicle you need.

Unlike many other lenders, we’re a local company. We’re happy to be the friendly face you need to see when you’ve been refused car finance elsewhere. If you’re looking for car finance with bad credit in Newcastle, you’re in the right place. Get to know our team today.

Zoomo can help you gain car finance with bad credit

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.

We consider applications from people in all situations, no matter whether your financial history includes factors such as late payments, CCJs or mortgage arrears. We also accept applications from those who are self-employed or who have been refused finance elsewhere. We are experts in car finance with bad credit, and we will work with you to help you find the car finance solution that suits your individual needs.

You’ll never be judged by the team at Zoomo. We get it, bad credit is sometimes just part of life. Finding the right car for you is another part of life, and we don’t believe your credit history should automatically prevent you from acquiring your vehicle of choice. If you want more information on all things car-related, you can get in touch or even check out our blog.

Our team is always on hand. Call today on 0191 238 10 84 and let’s see what we can do for you.

Have you got a question about bad credit car finance? We’ve got the answer.

Can I apply if I’ve been refused elsewhere?

Yes! Whether you’ve been refused elsewhere, have no credit history, CCJs, defaults, arrears or are self-employed. We don’t discriminate and are happy to consider every application.

How do I apply?

It’s so quick and easy to apply for bad credit car finance with Zoomo. Just fill out our 30 second application or call our team on 0191 238 10 84.

Can my benefits count towards my application?

Yes, you can still apply if your income comes from benefits such as Carers Allowance, Income Support, Disability Allowance, Child Tax Credits and Working Tax Credits. We also accept part exchanges.

Do I need a deposit?

In most cases we can arrange no deposit car finance. This largely depends on the kind of car you choose.

I have fair credit can I still apply?

You certainly can. At Zoomo, any application and credit rating is considered. We have a variety of lenders with a range of starting rates, so there’s no reason not to apply. Get in touch today to see what we can do for you.

Car finance bad credit from Zoomo

  1. Zoomo have helped many people throughout the North East get the car finance they’re looking for, regardless of their credit score, their current employment status or past financial situations. We base the services we can provide on you and your circumstances, not just one number. That’s why we’re the best for those seeking car finance with bad credit:
    1. Zoomo have worked with people in a wide range of situations, including those who are self-employed and people who have been refused finance elsewhere.
    2. We can help you regardless of defaults or CCJs, as long as you have an income of £1,000 a month.
    3. We work alongside a panel of trusted lenders, giving you access to a huge selection of financial options.
    4. We have more than 150 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 bad credit in the simplest way.

    We can help you through every step of your application (it only takes 30 seconds!) and once you’re approved we have a huge selection of cars for you to choose from. Explore our vehicles for yourself today!

Apply Now
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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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