Bad Credit Car Finance Deals In Newcastle & Tyne and Wear

We promise to make finding and financing a car straightforward and stress free

Are you a motorist in the Newcastle or Tyne and Wear on the lookout for car finance from a company that you can trust? If so, you’ve found the right place in CarFinanceGenie. We are a car finance specialist based in Essex that will deal with all your inquiries and applications from Newcastle, Tyne and Wear and beyond!

Are you a driver from Newcastle looking for a Nissan? From Sunderland looking for a Subaru? From Tyne and Wear looking for a Toyota?  Whatever you want to be driving and wherever you’re from in the north east, we are the people who could make it happen. View our stock today to see if the car of your dreams is one application away!

How we work.

Car finance made easy with 4 simple steps

Ready for a new car? Get a no-obligation finance quote. We consider most credit situations and have access to a wide panel of lenders, so we can find a car finance option which suits you
Your car finance application
Get decision
We compare our panel of lenders and our experts will be able to outline the best options available to you if approved
Ford Focus ST
Choose a car
With hundreds of trusted quality used cars available from our carefully selected dealers, your dedicated Genie will be on-hand to help find the right car for your needs and budget
Drive away
Wish granted. Complete all of the required documents and get the keys to your new car

At CarFinanceGenie we serve the people of the North East and the UK with fantastic Car Finance Deals, no matter what the financial situation you are in is. Many people ask, “Can I get car finance with bad credit?”, and here at car finance genie we specialise in granting that request! Our bad credit car finance services have granted people from Newcastle, Tyne and Wear and across the North East with a finance deal that helps them get the car they dream of!

It couldn’t be quicker or easier to find out what car finance deal we can offer you.

Get the car you want, on a finance deal that suits you

We realise that it can be stressful and daunting to find the right car finance deal. That’s why we’ve gone out of our way to take all of the hassle out of the process for you.

Use our handy Car Finance Calculator to get started:

Our finance calculator
Repayment term (years)

Rates from 10.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £8000 over 5 years with a representative APR of 24.9%, a fixed annual interest rate of 24.9% APR and a deposit of £0.00, the amount payable would be £220.67 per month, with a total cost of credit of £5420.20 and a total amount payable of £13,240.20

We look the find the best rate from our panel of lenders and will offer you the best deal you're eligible for. We don't charge for our service but we will receive a commission. This does not influence the interest rate you're offered in any way but can vary by lender.

We act as a broker, not a lender. Further info on request.

6.9% APR
Total cost of finance
Total repayment
60 monthly payments of

Car finance products that are available from us include  hire purchase (HP), conditional sale and personal contract purchase (PCP) deals. Both of these types of car finance involve the customer paying back a fixed amount each month, until the end of the loan term.

With a hire purchase deal, though, the car will become yours at the end of the agreement. If you instead opt for personal contract purchase finance, you’ll need to either pay a final balloon payment once the loan term concludes in order to own the car permanently, return the car or exchange it for another. Our team are happy to explain the different types of agreements further, just ask!

Car finance terms obtained through us generally last between two years (24 months) and five years (60 months). A longer term will mean a lower payment each month, although a shorter term will – of course – enable you to finish all of your payments earlier.

Another good way to reduce how much you need to pay each month is to pay a deposit. This will mean you have less to finance across the term of the loan. However, we also receive many applications from people who don’t wish to pay a deposit or include a guarantor, and we strive to cater to all of these needs, too.

We have exceptional  relationships with a number of carefully selected dealers giving you plenty of desirable and trusted vehicles to choose from. However, don’t worry if the car that you want isn’t represented in our current stock, as we also have an expert vehicle sourcing team to help you to find the right car.

You could be behind the wheel of your dream car in Newcastle

We recognise here at CarFinanceGenie that every enquiry is different, whether you are in Newcastle, Tyne and Wear, anywhere else in the North East or even somewhere else in the UK. We aim to give you the best answer possible to your query as soon as possible.

We’ll only ever provide you with the most genuine and transparent information on all of our agreements without any jargon to confuse you or to leave you unsure what you’re participating in. We want you to feel happy with your car finance deal, as this makes us happy too!

With hundreds of cars now available through our partner dealers in Newcastle and across the UK, we’re sure to have the model of your dreams! So, why not apply today?