Car Finance in Newcastle upon Tyne

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Zoomo Car Credit have a dedicated team of finance experts waiting to help with your enquiry.

We consider everyone:

  • CCJ's
  • Defaults
  • Missed Payments
  • Late Payments
  • Declined Elsewhere
  • Benefits
  • VA's
  • Taxi Drivers
  • Self Employed
  • European Driving License
  • Discharged Bankrupts
  • Sub Contractors
  • Agency Workers

We have relationships with all specialist motor finance houses, which is why we have helped thousands of customers secure the best finance deal for their budget.

We are experts in helping customers with a poor credit rating

Searching for car finance in Newcastle upon Tyne? Look no further than Zoomo Car Credit. We're a trusted, local used car dealership in Newcastle committed to helping people across the North East get on the road with a quality used car. Whether you're a first-time buyer or have had credit challenges, our friendly team is here to guide you through a quick, easy, and no-obligation application. As an RAC Approved Dealer with the AA Cars Standard, we're dedicated to helping you find the perfect used car. Ready to get started? Explore our wide range of used cars today and apply for finance to begin your journey towards getting on the road.

Flexible Car Finance in Newcastle

We believe everyone deserves access to a reliable vehicle, regardless of their financial history. That's why we specialise in arranging car finance in Newcastle for all credit types, including those with poor or bad credit. Our expert team works with a wide panel of lenders to find the right solution for you. We can arrange finance for any of our used cars, giving you the freedom to choose the vehicle you really want. When it comes to Newcastle car finance, we focus on finding a manageable plan that fits your budget, making the process as straightforward as possible.

How Our Car Finance Process Works

Getting used car finance in Newcastle upon Tyne with Zoomo Car Credit is a simple three-step process designed to get you behind the wheel as quickly as possible.

  1. Apply Online: Our online application form is simple and secure. Fill in your details and let us do the hard work of finding the best finance options for you.
  2. Choose Your Car: Once approved, you can explore our wide range of high-quality used cars. We'll help you find a vehicle that not only meets your needs but also fits comfortably within your budget.
  3. Drive Away: We'll handle the paperwork, and you can drive away in your new car with nothing to pay on the day.

Car Finance Options Explained

At Zoomo Car Credit, we offer two of the most popular and flexible Newcastle car finance options - Hire Purchase (HP) and Personal Contract Purchase (PCP) - to help you find the best way to fund your next car.

Hire Purchase (HP)

With Hire Purchase, you pay a deposit and then make fixed monthly payments over an agreed period. The great thing about HP is that once you've made all the payments, the car is officially yours. This makes it an ideal choice if you want to own the vehicle outright at the end of the term.

Personal Contract Purchase (PCP)

Personal Contract Purchase is designed to give you more flexibility. You'll make lower monthly payments compared to HP because you're not paying off the full value of the car. At the end of the agreement, you have three options: pay a final lump sum (the balloon payment) to own the car, return it, or use any equity to part-exchange it for a new one.

Bad Credit Car Finance

At Zoomo Car Credit, we understand that life can present financial challenges. Our dedicated team of finance specialists is here to help, even if you've been declined elsewhere. We consider everyone, regardless of their financial history, including those with:

  • CCJs or Defaults
  • Missed or Late Payments
  • Self-Employed Status

We work with a wide network of specialist motor finance lenders, which is why we've helped a range of customers secure the best finance deal for their budget. We are experts in helping customers with a poor or bad credit rating find a fair and affordable solution.

Why Choose Zoomo Car Credit for Newcastle Car Finance?

  • RAC Approved Dealer: All our vehicles undergo a thorough inspection to meet high standards of quality and safety.
  • AA Cars Standard: We're an AA Cars Standard dealer, offering an additional layer of trust and security.
  • Inclusive Finance: We specialise in arranging car finance for all credit profiles, including those with bad or poor credit.
  • Local Experts: We're proud to serve the North East, including Newcastle upon Tyne, Gateshead, Sunderland, and Durham.
  • Part Exchange & Delivery Options: We make it easy to trade in your old car and can even arrange delivery of your new (used) one.

Used Car Finance in Newcastle

Looking for used car finance in Newcastle upon Tyne? We make it simple, with finance available across our range of showroom vehicles. From reliable family hatchbacks to sporty coupes and practical SUVs, our vast stock of quality used cars means you'll have plenty of choice. Our team can help you find a great vehicle that fits your budget and your lifestyle, and we'll work to secure a finance deal that gets you on the road as quickly as possible. Take a look at our current stock and find the perfect car for you.

Browse Our Stock

Apply for Used Car Finance in Newcastle Today

If you're ready to find a great deal on used car finance in Newcastle upon Tyne, our team at Zoomo Car Credit is here to help. As your trusted local dealer, we offer inclusive finance options for all credit types and an easy, transparent process. Plus, with our RAC Approved Dealer and AA Cars Standard status, you can be sure you're in safe hands. Apply online today!

Browse Our Stock Visit Our Showroom

FAQs About Used Car Finance

Can I get finance with bad credit? Yes, we specialise in helping customers with bad credit. We work with a wide range of specialist lenders to find a suitable finance option for you.
Do I need a deposit? Many of our finance deals can be arranged with no deposit. However, a deposit can sometimes help lower your monthly payments.
How quickly can I get approved? We aim to provide a decision as quickly as possible, so you can start looking for your new (used) car without delay.
Do you offer a part exchange service? Yes, we offer a hassle-free part exchange service. You can use the value of your old car towards the deposit on your new one.


Frecker Limited is acting as a licenced credit broker and not a lender, authorised and regulated by the Financial Conduct Authority. Firm reference number 688907. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. We can introduce you to a limited number of lenders to provide funding for your car. We do not charge fees for our consumer credit services. We may receive payment (s) or other benefits from finance providers should you decide to enter into an agreement with them. The payment we receive may vary between finance providers and product type but does not affect the finance rate offered (it is based on a fixed fee or fixed percentage of the amount you borrow).

Zoomo Car Credit will introduce you to our panel of Lenders/Brokers who may be able to help finance your vehicle.

This Group of Lenders provides us with a range of products that may be suitable for your vehicle purchase requirements.

By providing us with your contact details you agree to be contacted by the methods and for the purposes set out in our Privacy Policy.

In assessing your loan application; our supporting lenders will make enquiries about you including searching your record with credit reference agencies.

You consent to us disclosing details of your finance application and they may use a credit scoring automated process in deciding whether to accept your application.

Your information may also be sent to a third party for further loan options who may also search your record with credit reference agencies.

By clicking apply now you are consenting to credit searches being carried out.