Contact Us at Zoomo Car Credit

Yes, we offer CCJ car finance. Some of our lenders look beyond those types of details and place more weight on your current income and situation. A satisfied CCJ may improve your chances, but options can still exist either way.

We also provide IVA car finance.

There is no one perfect credit score needed to get approved for car finance. Our panel of lenders take other aspects of your financial situation into account too. They check your income, stability, and what you can afford each month.

A lower score may limit some of your options, but it doesn't mean you can't apply for bad credit car finance in Newcastle.

Not at first. We use a soft search to start with, which doesn't affect your credit score. This lets lenders review your details. From there, you can see what might be available before making a decision.

If you choose to go ahead with a formal application, we'll run a hard search. This will affect your credit score.

Yes, being refused by another lender doesn't automatically mean you're out of options. Different lenders use different criteria, and some are more flexible than banks. We share your details with lenders who are more suited to your situation. For example, some lenders offer car finance on benefits.

The amount you can borrow for a car depends on your income, outgoings, and credit history. As you search for how to get car finance with bad credit, you'll learn that lenders care about what you can afford every month. It's this figure that will influence how much you can borrow.

You can use our car finance calculator to test different options.