Bad Credit Car Finance Newcastle

Bad credit but need car finance?

At Go Car Credit we could help you get car finance even if you have bad credit, are self-employed or don’t want to pay a deposit. Our specialist team understand that everyone has a unique financial situation and we will consider your application with you as an individual.

We can help you find a new car in the Newcastle area or at one of our dealers across the North East region. There are hundreds of cars on site so you are sure to find one near your location that suits your budget too.

If you need car finance in Newcastle, Durham, Hartlepool, Sunderland or the surrounding areas we can help you find your perfect car.

49.6% APR Representative – Subject to status and affordability

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Why Choose Go Car Credit?

  • We’re Regulated by the
    Financial Conduct Authority (FCA)
  • Simple and Stress-free Process
  • Rated Excellent on Trustpilot
  • Re-establish your Credit
  • No Deposit Required
  • Bad Credit Specialists

How Our Bad Credit Car Finance Works


Apply for car finance through our online application form and you could be driving away a new vehicle sooner than you think.


We will send your application to our underwriting department for evaluation. Once conditionally approved for finance we will provide you with a provisional credit limit.


We will help you find your perfect car through one of our approved dealers. Many of our dealers offer same day drive away, which means you could be driving away your new car in a matter of hours. You will need to provide all the documents we require and subject to these being approved, we can offer you a full approval for car finance in no time.


You can sign all the paperwork online and then it’s time to drive away your new car. Do test drive the vehicle you want to purchase and ensure you have fully examined the car over. This is to make sure you are 100% happy with the car.

How to Apply for Bad Credit Car Finance in Newcastle

Going into a bank to apply for a loan for a car can feel intimidating. And, so can filling out reams of paperwork, too. With Go Car Credit, applying for car finance with bad credit couldn’t be easier.

Enter a few personal details into our secure online application form in a matter of minutes. Once we’ve given you a decision, we’ll ask for some details on your vehicle of choice before asking for you to give an online signature if you want to go ahead. There’s no charge for making an application and no obligation – so if you change your mind and want to walk away, you can.

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Frequently asked questions

What is Hire Purchase Car Finance?

Hire Purchase is one of the most common types of finance, it is really simple – you hire the vehicle and make fixed monthly repayments until you have paid off all of the agreed finance.

There are no surprises at the end of your agreement such as balloon payments or mileage restrictions.

The entire car price is spread across your agreement term and once all monthly payments have been made the car becomes yours, making it one sensible option for borrowing.

Will I qualify for Car Finance with Go Car Credit?

Have you been refused car finance due to bad credit? Don’t worry it does not mean that you can’t get car finance! We are specialists in bad credit car finance.

Many of our customers have been refused car finance from mainstream lenders because of poor or bad credit history.

Apply via our online application form to find out if we can help you secure the finance you need for your next car purchase.

How much can I borrow?

We can offer loans from £3,000 to £10,000. Use our car finance calculator to see what your fixed monthly payments would be.

How do I apply for car finance?

You can apply for finance direct via our website. Just fill in our application form and one of our sales agents will be in touch.

What is your lending criteria?

  • •You are a UK resident for at least 3 years. (We are unable to provide finance for those living in N.Ireland)
  • • You have a full UK Driving Licence.
  • • Your income is over £1000 and paid directly into a UK bank account.
  • • You are able to provide 2 months consecutive pay slips or if self-employed, 3 months consecutive bank statements.
  • • You are over 18.
  • • You are not in an active bankruptcy or debt relief order.

I have got bad credit, will I still get approved?

We are specialists in providing car finance to people who have experienced bad credit in the past.

Our customers are never judged solely on their credit history. Instead, decisions are based on a blend of science and human judgement to understand whether the repayment schedule will be manageable for the customer.

This approach allows us to consider any extenuating circumstances such as a poor credit history, self-employment or any previous mortgage or council tax arrears and view you as an individual, not just a number.

For more information, please visit our Bad Credit Car Finance page page.

Do you do guarantor car finance?

We do not offer guarantor finance, but we do help people who may have experienced problems getting finance in the past. For more information, please visit our Bad Credit Car Finance page.

Can I get car finance if I am on benefits?

Yes, you could. Unlike some mainstream lenders we take benefits into consideration when reviewing your income. For more information about on this, visit our Car Finance for People on Benefits page.

Can I choose any car?

There is criteria that has to be met such as maximum mileage restrictions and maximum age of vehicle restrictions.

We can help you source the car you want from one of our reputable dealers across the UK.

All of our dealers are authorised and regulated by the Financial Conduct Authority.

By only choosing dealers that are FCA regulated reinforces our high standards of service to our customers.

Why is your APR higher than other lenders who offer car finance?

We specialise in providing finance to individuals who have struggled to obtain credit. We charge a higher APR on our finance products because we serve the sector of the community, which are usually excluded from conventional lending and our customers are seen to be a higher risk by other lenders.

To reward our loyal customers who have proved they are committed to improving their credit could receive a reduced interest rate on their next agreement.