Cars on Finance
near Newcastle
Excellent | 1900+ Reviews
£0 Deposit Options
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Affordable Car Finance
Home DeliveryLooking for car finance in Newcastle? At carloans 365, we make it easy to get behind the wheel — whether you’re based in the city centre, Jesmond, Gateshead or further afield in Tyne and Wear. Our quick and hassle-free car finance options are designed to suit a wide range of budgets and credit backgrounds.
We work with a trusted panel of UK lenders to offer a variety of car finance options including Hire Purchase (HP) and Personal Contract Purchase (PCP) — tailored to fit your lifestyle and financial situation.
Whether you’re upgrading your current vehicle or buying your first car, our team is here to help you every step of the way, from application to approval.
Applying for car finance in Newcastle with carloans 365 is straightforward. You can apply if you:
Even if you’ve struggled with finance before, we’re here to help you explore your options.
Struggling with a poor credit score? You’re not alone — and it doesn’t have to stop you from securing a great deal.
We specialise in helping customers with bad credit car finance in Newcastle, working with lenders who look beyond your credit history. So, if you’ve had CCJs, defaults, or missed payments in the past, don’t worry — there may still be finance options available to you.
Don’t have a deposit saved? No problem. We offer no deposit car finance in Newcastle, meaning you could get approved without paying anything upfront. It’s a great option if you're eager to get on the road without delay.
Getting car finance with carloans 365 is quick and simple:
It’s car finance, made simple.
We focus on the finance, not the sale — so you're free to find the car you want from any reputable dealership. From nearly-new hatchbacks to reliable used family cars, our flexible finance options can help you buy a vehicle that fits your needs and budget.
We help people across Newcastle and the wider Tyne and Wear area — including Gateshead, Wallsend, South Shields, North Shields, and Sunderland. Wherever you're based, carloans 365 is your trusted partner for simple, fast and fair car finance.
Ready to get started?
Apply online today and see what you could be approved for.
Can I get car finance in Newcastle with bad credit?
Yes, our specialist lenders often help customers with poor or limited credit histories.
Do I need a deposit to apply?
No – we offer no deposit car finance options for customers in Newcastle and beyond.
How fast can I get approved?
Most applications are processed quickly, and some customers receive a decision the same day.
Can I choose my own vehicle?
Yes – once approved, you can buy from any approved UK car dealership.
Will applying affect my credit score?
We carry out soft credit checks during the initial stages, which won’t impact your credit score.
REP APR: 21.4% We act as a broker, not a lender.
Representative Example:
Borrowing £7,500 at a representative APR of 21.4%, annual interest rate (fixed) 21.36%, 47 monthly payments of £196.75 followed by 1 payment of £206.75, total cost of credit is £4,315, total amount payable is £11,815.
carloans 365 is a trading name of HT Finance Ltd. Company Number 11481948 registered address: Statham House, Talbot Road, Old Trafford, M32 0FP. HT Finance Ltd is authorised and regulated by the Financial Conduct Authority, under reference No. 821383 All finance is subject to status, terms and conditions apply. We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work with. This commission is a fixed payment or percentage but can vary by partner. This does not impact the rate you are provided, full information on request. We do not charge a fee for our services.
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