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Bad Credit Car Finance Deals In Newcastle & Tyne and Wear

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

Call: 01277 583 046

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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!

Find the car you want in Newcastle or across the North East!

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Rates from 6.9% APR Representative APR 19.2%.

We make it our mission to try to provide competitive car finance, even to applicants who may have been turned down for loans in the past. We also take pride in our straightforward, hassle-free and transparent service, as well as in the wide range of options we provide for finance.

Why Choose Car Finance Genie?

Our Incredible Service

We offer fantastic customer service throughout your application and beyond. With over 100 independent five star reviews, don’t take our word for it. Find out what our customers have to say!

Trusted Dealer Network

We’d never send you to the wrong place! Our fantastic network of carefully picked, trusted dealers mean you can get the car you want with complete piece of mind. As we hand pick our dealers, we trust them to provide you with the vehicle you want in exactly the condition you want it at a great price!

SAF Approved

SAF Approved provides recognition for companies like Car Finance Genie where all of our staff involved in your finance application have passed the SAF Expert test. This makes us ready to assist and give you the best advice on any queries you may have.

CFG Quality Assured

Here at Car Finance Genie, every vehicle is quality assured to our highest quality assurance standards. Our rigorous checks and trusted dealers mean you can drive away without having any worries on your new vehicle’s quality.

No Deposit Finance Available

Want to get a great car finance deal but haven’t been able to build up a deposit to put towards it? No problem! We offer various flexible options within our finance options including bad credit finance and car finance without a deposit. Whatever your situation, we’ll try our best to help!

Years of Experience

Our experts have many years of experience combined- whatever your situation is, we’ve probably seen it before! There’s no question our car finance specialists won’t try and answer. Put it to the test and get in touch today!

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.

How It Works

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:


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Rates from 6.9% APR; the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6500 over 5 years with a representative APR of 19.2%, an annual interest rate of 19.2% (Fixed) and a deposit of £0.00, the amount payable would be £161.46 per month, with a total cost of credit of £3087.50 and a total amount payable of £9687.50.

We act as a broker, not a lender.

6.9% APR
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Rates from 6.9% APR Representative APR 19.2%

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?

We are extremely proud of every single one of our independent customer reviews

Rated 5 stars in over 124 independent Trustpilot reviews

Car Finance with No Deposit FAQs

No! Wherever you are in the UK, we offer fantastic car finance options! Not just in Newcastle or the North East, but wherever you are, one application can get you closer to your dream car!

If you’re from Newcastle and want to begin the process of car finance, it could not be easier! All you need to do is fill out a quick application here on our website and let us know how much you require to borrow and the repayments you can afford to pay and we’ll get back to you with all the information you need!

Use our calculator here to find the best situation for you!

It is that easy!

We provide our fantastic car finance service all across the UK and Newcastle and the North East is no different. From Tyne on Wear all the way down to head office in Essex, we make people’s automotive dreams a reality!