Car Finance in Edinburgh
Need car finance in Edinburgh? The solution might not be local. Instead, you can use Zoomo to secure the car you need from home. Everything runs online. You can apply in just a few minutes to check your eligibility without harming your credit score. Then, you can pick a used car at your preferred price point.
You don't have to make a trip to Newcastle. That can be time-consuming, and may not be possible between work and family responsibilities. When you've been approved for finance, we organise delivery to your address in Edinburgh.
We welcome people of all credit backgrounds, too. If you have bad credit or have been rejected before, it's still worth submitting an application. We have a 96% acceptance rate and can help almost anyone get the car they need.
Find out what you could borrow for a car in Edinburgh.
Subject to status. UK residents aged 18+.
Why Choose Zoomo for Car Finance in Edinburgh?
Have you tried local dealers in Edinburgh with no luck? You're not out of options. Some dealers work with a small selection of lenders with strict or narrow criteria. This can make it much harder to get approved for finance – even more so if your credit history isn't perfect.
Zoomo is a specialist finance dealer, which means we can connect you to a much wider panel of lenders. This includes those that high street options don't use. That's how we're able to achieve a 96% acceptance rate. If you've had issues in the past, chances are, you can find a way forward with us.
Our finance options are more flexible, but that doesn't mean our cars are of lower quality. All vehicles are prepared to RAC Approved and AA Cars standards before they're listed for sale. This gives you extra peace of mind buying from a distance.
The process is quick and easy, too. You apply online and choose your car. If you need any help along the way, there's a real person on the other end of the phone who can help.
When you're ready,
apply for car finance. We can then arrange delivery to Edinburgh. You get a car without the long trip or time spent at a dealer.
Finance Options Explained
With Zoomo, you can choose between hire purchase (HP) and personal contract purchase (PCP).
In an HP agreement, you pay monthly and own the car at the end. PCP typically gives you lower monthly payments, but you won't own the car outright at the end of the term. You can pay a lump sum for it, return it or use it to exchange for your next car.
Both options have pros and cons. We are here to answer any questions you might have, so you can make an informed decision.
We work with all credit types, as well. That includes those looking for car finance in Edinburgh with bad credit, people on benefits and those with CCJs and IVAs. If a lender has said "No" to you already, you might still have options, and it's worth applying with Zoomo.
Subject to status. UK residents aged 18+.
Browse Cars Available for Edinburgh Delivery
Our stock changes daily, and at any given time, we have about 190 vehicles available. You'll find SUVs and hatchbacks. We have EVs and hybrids, too, as well as diesel cars. When you've secured finance and selected your vehicle, we'll organise a delivery for you. You don't have to worry about sorting out the logistics.
Subject to status. UK residents aged 18+.
Frequently Asked Questions
Can I get finance in Edinburgh with bad credit?
Yes, you can. Options are available for those who need car finance in Edinburgh with bad credit.
Our lenders don't rely on a single number like a credit score. They also review income and affordability. We work with specialist lenders who deal with these types of cases all the time, so they know what to look for. That opens more doors than a typical high street option.
You can read more about how bad credit car finance works.
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
Does Zoomo have a showroom in Edinburgh?
No, Zoomo does not have a showroom in Edinburgh. The entire car purchasing process takes place online instead. It might not be conventional, but it makes things easier for many of our customers.
You can apply, choose your car and complete all the paperwork from home. If you want help, you can speak to a real person on our team.
After approval, we'll schedule delivery, so you don't need to travel to pick up your car.
How do I apply from Edinburgh?
To apply online from Edinburgh, fill out a short form. We'll ask for your details. These are shared with our lenders, who then review your situation. They'll offer you finance options or reject your application.
If you're approved, you can choose your car and complete the purchase.
You can learn more about car finance in Newcastle, which follows the same steps as those for Edinburgh customers.
What cars are available for Edinburgh customers?
You have access to the same range of cars as local customers. We typically have around 190 used cars in stock, from small options to larger family cars. Each is prepared to RAC Approved and AA Cars standards before sale.
If you want to know what we have right now, browse used cars online. If you find one you like, you can begin the application process.
How long does it take to arrange from Edinburgh?
It doesn't take as long as you might expect. You can complete the application itself in just a few minutes. You'll then get a decision, sometimes that same day. It might take longer if our lenders request more information.
After approval, you choose your car and finish up the paperwork. Your delivery schedule will depend on availability.
