Unlock the door to your next vehicle
Northern Bear Automotive is a Newcastle-based UK motor finance broker. Since 2023 we’ve helped drivers across the North East and the whole UK finance cars, supercars, 4x4s, campervans and vans — comparing a panel of trusted lenders to fit you. A credit broker, not a lender, with no fees to you.
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What are you financing?
No obligation · won’t affect your credit score · explore products
FCA-regulated credit broker (FRN 1011800) — not a lender. No fees to you. All finance subject to status.
A wide range of finance products
Whatever you drive, we'll find finance that fits. All options are subject to status and affordability.
Car Finance
Flexible finance for your next car — new or used, from any dealer.
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Supercar Finance
Specialist finance for prestige and performance vehicles.
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4x4 & SUV Finance
Finance built around family SUVs and capable 4x4s.
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Campervan Finance
Finance to get your adventures on the road.
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Van Finance
Keep your business moving with van and commercial finance.
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Poor Credit Finance
A fresh start — finance options when your credit history isn't perfect.
Learn moreFinance, the friendly way
Personalised solutions
We compare a whole panel of lenders to match finance to you — not the other way round.
Efficient process
A quick, no-obligation decision so you know where you stand without the wait.
Friendly support
Real people, open and honest advice, with you from first enquiry to drive-away.
No fees to you
Our service is free to you — we're paid a commission by the lender, never by you.
Finance sourced from a panel of trusted UK lenders
Are you a car dealer?
Offer your customers fast, flexible finance and close more sales. Join the dealers who partner with Northern Bear Automotive.
What our customers say
20 days ago
Eileen and the team are excellent providing the highest level of service all time to me and my customers. Keep up the good work
20 days ago
Really good experience with Eileen. Super helpful, easy to talk to, and explained everything in a way that made sense. Always quick to respond and genuinely wanted to help. Would definitely recommend!
20 days ago
I can't believe the service from this company, honestly amazing! I usually just wing car finance but their understanding is next level... and saved me like £300 a month!
2 months ago
I found Northern Bear Automotive very efficient and welcoming i would recommend them to anyone i know who wanted finance for their vehicles , very straightforward PJ
Car finance questions, answered
Is Northern Bear Automotive a lender?
No — we're a credit broker, not a lender. We compare a panel of trusted UK lenders to find finance that suits you, and we're paid a commission by the lender, not by you.
Do you charge a fee for arranging car finance?
No. Our service is completely free to you. We're paid a commission by the lender if you decide to go ahead.
Can I get car finance with bad credit?
It can be more challenging, but it isn't always a no. Some lenders look at your current circumstances rather than your history alone. We can't promise acceptance, but it's often worth exploring — subject to status.
What kinds of vehicle can you finance?
Cars, supercars, 4x4s and SUVs, campervans and vans — for customers across the whole of the UK.
Do I have to buy from a particular dealer?
No. You're free to choose any UK dealer. We also work with a network of 24 trusted partner dealers across the North East and beyond.
Where are you based?
We're based in Newcastle upon Tyne (NE4 7YL) and arrange finance for customers throughout the UK.
Ready to get moving?
Start your no-obligation enquiry today, or call our friendly team on 0191 743 7654.
Apply for FinanceImportant information
Northern Bear Automotive Ltd is an Appointed Representative of Creditas Financial Solutions Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 1011800). We are a credit broker, not a lender.
We may receive a commission or fee from the lender if you take out a finance agreement. The amount may vary depending on the product and lender. This will never affect the amount you pay. You can request details of the commission arrangements at any time.
We do not charge you a fee for our services.
Finance is subject to status and affordability. Applicants must be 18 or over and a UK resident. If we cannot resolve a complaint to your satisfaction, you may be able to refer it to the Financial Ombudsman Service (financial-ombudsman.org.uk).