Car Finance in the North East

Looking for the car finance North East drivers trust? You've landed in the right place. Zoomo Car Credit is located right here in Newcastle, and we work with customers from Gateshead, Sunderland, Durham, and nearby areas.


You don't need to travel to get started either. You can complete your application online in minutes and review your options from home. If you would rather visit, our showroom is a short drive away for most people in the region.


We work with all credit types. If you have had problems in the past getting approved, you still have a chance with our specialist lenders. We look at your situation today and what you can afford now.

Find out how much you could finance in the North East for your next car.

Subject to status. UK residents aged 18+.

Why Choose Zoomo For Car Finance?

On your search for used cars in the North East, you'll find a whole mix of dealers. Some offer finance as an add-on. But for us, it's a part of what we do. Our team can help you find a finance solution that meets your personal situation and goals.


Plus, we're an RAC Approved Dealer, and every car meets strict standards before it's offered for sale. Every one of our vehicles has been thoroughly looked at and prepared. So when you buy from us, you can make an informed, confident decision knowing your next car is in good working condition.


When it comes to finance, we have a 96% acceptance rate. How do we achieve this? By matching applications with the right lenders. Real people review your details, not just a system that says yes or no in seconds. That makes a difference if your credit history is not perfect.

The process is simple too. You apply online, get a decision, and then choose your car. When everything is agreed on, we can arrange delivery to your address in the North East so you don't need to organise a pickup.

Finance Options for North East Drivers

Our car finance in North East England falls under two categories: HP and PCP.


With HP, you'll pay fixed monthly payments. When the agreement comes to an end, you'll own the car outright. PCP is a bit different. Your monthly payments might be lower, and when the term ends, you can pay a lump sum to own the car, trade it in, or give it back. It's a more flexible option.


We look at all types of applications as well. That includes bad credit, CCJs, IVAs, and income from benefits. If other places have said no, it is still worth applying here. You can also read more about bad credit car finance to see how it works.

Subject to status. UK residents aged 18+.

Browse Cars Available for the North East

We have 190+ vehicles in stock, ready for customers in the North East. You can browse online, compare your options, and choose a car that fits your budget and needs. When you're approved, delivery can be arranged to your door so you can get on the road without delay.

Subject to status. UK residents aged 18+.

Frequently asked questions

  • Can I get finance in North East with bad credit?

    Yes, you can still apply and get approved for car finance in Newcastle if your credit history is not perfect. We work with lenders who look at your current situation, including your income. They don't assess you based on past issues alone.


    If you have missed payments, defaults, or CCJs on your record, you still have a chance of approval with us. We will review your application carefully and connect you to lenders who suit your profile.


    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 North East?

    We are based in Newcastle, which is within easy reach for most people living in the North East. If you want to visit us, you can come and see the cars in person. If not, you can manage everything online from home. You can browse used cars and apply for finance without leaving the house.


    When you've chosen your vehicle and been approved, we can organise a delivery service to your address.

  • How do I apply from North East?

    Applying for finance is simple and takes just a few minutes from the comfort of your home. First, you'll complete a short online form with your details. We will then run a soft search to show what may be available. This step does not affect your credit score.


    If you are happy to go ahead, the lender completes the next step. They look at your profile and decide how much to lend you. You can review your options and get an idea of what your monthly repayments will be.

    If you are ready to get started, apply for car finance now.

  • What cars are available for North East customers?

    Customers in the North East can choose a vehicle from around 190+ cars in stock. At Zoomo, you'll find small cars and hatchbacks, as well as larger family cars and SUVs. These cars come from a range of makes and models too. Each car is prepared before sale and checked to make sure it meets the required standards.


    You can browse our used cars online and pick an option that's within your budget. Once finance is approved, you can arrange delivery to your address in the North East. There's no need to visit the showroom.

  • How long does it take to arrange from North East?

    In most cases, car finance North East England applications can be arranged quickly. You might get a decision the same day that you apply. That said, some cases do take longer if a lender needs extra information about you. We'll keep you informed every step of the way, so you know exactly where you stand.