No Deposit Car Finance With Zoomo The Bad Credit Car Loan Specialists
0191 238 1084 Apply Today
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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
Bad Credit Car Finance

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.”

Looking for no deposit car finance?

Car finance is the ideal way to find the vehicle you want, as it spreads the cost of your payments into much more manageable amounts. At Zoomo, we’re all about providing car finance to those who may struggle to obtain it by other means and from other lenders. This includes buyers who have bad or no credit history. If you aren’t sure what your credit score is, you can check it for free using a range of different websites. Some of the most reliable include Experian, ClearScore and Noddle.

The majority of our car finance packages come without a deposit required. This means that you have the option to put a lump sum down if you wish to, but we understand that this isn’t always possible.

So all you have to do is complete our application and we’ll take it from there. Once we’ve approved your zero deposit car finance, you’ll be free to choose from the huge selection of vehicles we offer.

No deposit car finance in Newcastle from Zoomo

Zoomo isn’t like other finance providers. We treat you as a person, not just a number. None of our competitors will work as hard to get you the 0 deposit car finance you deserve, working with a select group of lenders to provide you with the car you want. So if you’re looking for no deposit car finance in Newcastle, you’re in the right place. Get to know our team today. We are also authenticated and regulated by the Financial Conduct Authority and every member of our team is SAF certified and highly trained, not high pressure. We understand that finding car finance when you have bad credit or no deposit (or both) can be a frustrating process. That’s why we promise to consider applications from people in almost all financial situations. So whether you’re self-employed, on benefits or have had CCJs or defaults, you’ve got a friend in Zoomo. We also have a blog, featuring updates, news and advice on all things cars. Be sure to check it out! The Zoomo team make applying for no deposit car finance in Newcastle an easy and rewarding process. Get in touch today by calling 0191 238 10 84 and discover what we can do for you.

Your questions, answered by us

How do I apply?

Simply fill in our application form and we’ll do the rest – it only takes 30 seconds! You can also call 0191 238 10 84 to speak to a member of our friendly team.

What documentation will I need?

We’ll need proof of address, proof of income and a full driving licence – that’s it!

Can I get a car if I am on benefits?

Of course. We accept various benefits including Carers Allowance, Income Support, Disability Allowance, Child Tax Credits and Working Tax Credits. The official government website features plenty of information on all forms of benefits.

Why do I have bad credit?

Bad credit can be the result of many different factors, from missed payments and debt to CCJs and defaults. It may be that you have no credit history at all and this is working against you. Whatever the reason behind your bad credit, we’re happy to help.

I’m self-employed, can I still get car finance?

Yes, we accept applications from people who are self-employed, provided you can prove an income of at least £1,000 a month.

Discover zero deposit car finance right here at Zoomo Car Credit, and find your perfect motor today.


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

The No.1 choice for no deposit car finance in Newcastle

  1. We are proud to have helped so many people get the car finance they’re looking for, regardless of their credit score, their past financial struggles and whether they’re employed. We consider pretty much all applications that are sent our way, and that’s because we base our decisions on you and your circumstances, not just your credit score. This is what makes us the best choice for anyone seeking no deposit car loans:
    1. We’ve worked with people in every situations, including those who are self-employed, those who are on benefits and people who have been refused finance elsewhere.
    2. We can help you despite any defaults or CCJs, as long as you have an income of £1,000 a month.
    3. We work with a panel of trusted lenders, helping to give you access to as many financial options as possible.
    4. We have more than 150 great cars onsite and more than 3,000 as part of Henson Motor Group.
    5. We are 5-star rated on Facebook and Google Reviews.
    6. We are a proud local business who are committed to offering no deposit car finance in Newcastle to those who need it.

    Our friendly team can help you through every step of your application. Our online form only takes 30 seconds and once you’re approved, the fun really begins. We have a huge selection of cars for you to choose from. Explore our options today!

Apply Now
Zoomo Car Henson Motor Group

Ready to apply?

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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