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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
We will hard to find you credit that suits you
NO ONE can guarantee car finance
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.”

Zoomo can help end your search for car financing

If you’ve been looking for guaranteed car finance but haven’t had any joy, stop looking in the wrong places and instead come to Zoomo for proven bad credit car finance that’s tailored to you.

Searching for ‘guaranteed car finance’ can often feel like a quest for the Holy Grail. And if you have what is considered to be a poor credit history it can be easy to give up hope of being able to find a loan that is suitable. There are plenty of companies and car finance lenders out there who claim to offer the promise of ‘guaranteed car financing’, but don’t be fooled by this.

The right company will take your personal circumstances into account and offer you car finance tailored specifically to your bad credit. However there are some circumstances where we can’t offer credit terms.

Zoomo Car Credit Can Help

At Zoomo Car Credit, we will always take the time to examine your ability to repay the loan along with other factors, rather than simply judge your suitability based on your money management in the past. Anybody who claims to offer completely guaranteed car finance without looking at any of the more individual details may not be able to provide the same quality of service. The reality is no company can guarantee car finance, regulators do not approve of this phrase as it is misleading to the consumer. We carefully select lenders that are happy to consider applicants who have defaults, County Court Judgements (CCJs), Individual Voluntary Arrangements (IVAs) recorded as part of the credit file.

We pride ourselves on maintaining an open mind when it comes to car finance, and we refuse to judge you based on your credit score alone. We understand that sometimes bad credit is just part of life, and this shouldn’t stop you being able to put the steps in place for a bright future.

Bad credit car finance from Zoomo

Zoomo Car Credit is authorised and regulated by the Financial Conduct Authority. All of our staff are SAF certified and highly trained, and we’re also part of Henson Motor Group, which has 25 years of experience in the car trade.

We are committed to responsible lending and treating our customers fairly with an open mind. We promise to consider any application that comes our way regardless of:

  1. No deposit
  2. CCJs (Court County Judgements)
  3. Bankruptcy
  4. Self-employment
  5. Defaults
  6. DMPs (Debt Management Plans), Trust Deeds or IVAs (Individual Voluntary Arrangements)

If you are on the hunt for guaranteed car finance Newcastle, we only ask that you have an income of more than £1000 a month, whether from work or benefits.

Got a question?

What if I’ve been refused credit elsewhere?

Even if another car finance lender has refused you, it is still always worth getting in touch with us. Due to our large lending panel, we can offer various tiers of finance so there’s something for everyone. It’s important to remember, however, that multiple applications for credit may detrimentally affect your credit score. For more information on all things car finance, check out our blog!

Can I buy my car from any dealer?

With Zoomo, you’ll have access to a huge choice of vehicles. We have more than 250 cars onsite and 3,000 in group stock, as we’re part of the Henson Motor Group. Check out our website and find the car you really want.

I have part exchange can I trade this in?

Yes. We accept part exchange. We also accept income in the form of benefits such as Disability Allowance, Carers Allowance, Income Support, Child Tax Credits and Working Tax Credits.

I have fair credit, can you help?

Of course! At Zoomo, any application and any credit rating is considered. We may talk a lot about guaranteed car finance for bad credit, but we have a wide range of lenders with various starting rates, so any credit score can be considered. Simply get in touch today and let’s start a conversation about what we can do for you.

Car finance bad credit from Zoomo

Zoomo is the best place for car financing for bad credit

We recommend that you do a thorough check on your credit history before applying for any kind of finance, especially if you have bad credit. You can use a number of websites to do this, such as Check My File and Experian. By doing this simple check, you’ll be able to get to grips with your credit score and have an open discussion with any potential car finance lenders. If you already know your credit score and wish to discuss things further, contact a member of the Zoomo team today.

Here’s why you should choose Zoomo instead of empty promises of guaranteed car finance:

  1. Zoomo have worked with finance applicants in all situations and circumstances, from those who are self-employed to those who have been refused elsewhere. If you have an income of £1,000 a month or more, we can help you.
  2. We work with an extensive panel of trusted lenders. This gives us access to a wide range of finance packages that can be tailored to your circumstances.
  3. We have more than 150 cars onsite as well as access to more than 3,000 cars from the Henson Motor Group.
  4. We have a 5-star rating on both Facebook and Google Reviews
  5. We are a local company dedicated to offering bad credit car finance.
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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