Car ownership made simple from Newcastle to Northumberland.
Rates from 8.9% APR. Representative 18.8% APR.
No matter if you want to fully own your vehicle, prefer flexible options, or need support overcoming credit challenges, we’ve got you covered with the best car loans finance options available.
The North East features proud industrial cities like Newcastle, Sunderland and Middlesborough as well as picturesque coastlines and countryside in Northumberland and County Durham. With a population of over 2.6 million, it’s a region where personal transport is vital. Major roads such as the A1(M), A19, and Tyne Tunnel link cities and towns. Car ownership remains high, particularly due to limited rural transport options and commuting patterns across county lines.
Check out our car finance calculator – this quick and easy tool helps you explore UK car finance deals and see what you can afford. Whether you’re looking for car finance deals UK or need flexible finance deals, our calculator gives you instant insights.
Enter a few quick details to receive an immediate finance estimate. The sliding scales let you adjust variables like deposit size or loan term, giving you full visibility over your monthly payments.
| Cash Price | Deposit Term | APR (Fixed) | Payment | Total Interest | Total Amount Payable | |
|---|---|---|---|---|---|---|
| Representative Example | £8,000.00 | 60 Months | 18% APR | £203 | £4,189 | £12,189 |
Supported every step of the way by our expert car finance team.
We know everyone’s journey is unique, that’s why we are committed to understand your requirements. We work with our wide panel of lenders to provide affordable finance options and ensure the process is simple and easy.
No deposit, flexible terms, keep the car or give it back at the end? There are a range of options available, these can all be included to best suit your car ownership needs.
Whether you are a first-time applicant or this is your tenth car, either way, our professional team is here to make the process a breeze. With simpe advice, a trusted lender network, and seamless support from start to finish, we’ll get you on the road in no time!
Drivers in the region experience both urban congestion and rural roads. Newcastle’s city centre requires careful navigation during peak hours, while Northumberland roads offer stunning, but often isolated, routes. Popular vehicles include hatchbacks and estates in urban areas, and 4x4s or crossovers in rural zones. Car ownership costs here are relatively manageable, and vehicles can be purchased from a range of car supermarkets and local dealers, we can support you in finding cars in your area.
Key transport upgrades include improvements along the A1 and A19 corridors. The Tyne Tunnel toll system adds commuting costs, while public transport remains under development in many areas. Congestion in central Newcastle and Sunderland can affect commute times.
We can help you find the best deal, there are a wide range of options across the region including Hire Purchase, PCP, no-deposit and bad credit finance. Whether you’re buying from a small dealer in Hartlepool or a franchise forecourt near Newcastle we are here to help you throughout the process.
A lower monthly payment doesn’t mean the car is cheaper overall—factor in the final balloon payment if you plan to keep the vehicle.
PCP agreements come with mileage limits. Going over your agreed miles may result in extra charges, so choose wisely based on your driving habits.
If you decide to own the vehicle at the end of your term, be prepared for the final balloon payment. Otherwise, you can simply return it or upgrade to a new model.
To qualify for a car loan, you typically need:
A full and valid UK driver’s license
Proof of income and employment
A reasonable credit score (varies by lender)
Proof of residential address history (usually 3 years)
A down payment (if required)
Yes, it may still be possible to get car finance with bad credit, we work with lenders who offer financing options for individuals with less-than-perfect credit. Interest rates and terms may vary based on your credit history.
You can apply online through our website or give us a call. The application process is simple and usually requires basic financial information.
Approval times vary, however our process is usually very fast.
Traditional application methods in the UK usually take a few days but with our technology based solution we can usually provide an initial approval the same day!
Your interest rate is determined by factors such as:
Credit score
Loan amount
Loan term
Income and debt-to-income ratio
Yes! Getting pre-approved helps you understand your budget before shopping for a car. It also strengthens your negotiating power with dealerships.
Sometimes circumstances change. If you are unable to continue to make your payments it is important to contact your lender as soon as possible. There are many reasons this could happen and they can advise on what options will be available.
