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Get approved for finance by completing our simple online form below. Let Northern Bear Automotive help you secure the best finance options tailored to your needs.

This car finance calculator is for illustration purposes only. The interest rate that you receive from your motor finance provider, or the fees they may charge can vary significantly depending upon your circumstances. If you have a poor or bad credit you are deemed to be a higher risk to the lender, hence the reason for higher monthly payments. Northern Bear Automotive is a finance broker and arranges finance with lenders on our client’s behalf. Northern Bear Automotive does not provided loans and cannot directly calculate the exact cost of your loan. This tool is only a rough indicator to help users check potential affordability. Credit is subject to the discretion of the lender, is subject to status and is not guaranteed. Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk

Representative Example

APR from 9.9%, with a representative APR of 15.41%. For example borrowing £5,390 with no deposit and repayments over 60 months are 59 monthly payments of £115.44 followed by 1 payment of £125.44. The total cost of credit is £1,546.40 and total amount payable is £6,936.40.

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Northern Bear Automotive delivers personalised finance solutions, securing competitive rates through our extensive lender network.

Finance Products:

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Northern Bear Automotive Limited (FRN 1011800) is an appointed representative of Creditas Financial Solutions Limited, Creditas Financial Solutions Limited is authorised and regulated by the Financial Conduct Authority

We can introduce you to a limited group of carefully selected credit providers who may be able to offer you finance for your purchase. Our role as a credit broker is to determine which lender on our panel to introduce you to. Each credit provider may have different interest rates and charges.

We are only able to offer finance products from these providers, which may be suitable for you, and we will explain the key features of your chosen product to you (or your introducing supplier will). As a credit broker with a limited panel of preferred credit providers from whom we receive commission, Northern Bear Automotive is not impartial and is free to prefer its own interests.

We are NOT independent financial advisors. We will provide details of the products available from the lenders that we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you

We will receive payment from the credit provider for introducing you to them and we will also pay an amount of that commission to the introducing supplier or partner. The amount both parties receive could vary by credit provider, which may be a higher amount in relation to certain products compared with other products available. The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from a lender is predetermined and cannot be changed for your agreement.

We do not charge you a fee for our services, but the commission we receive from the lender and pay to the introducer impacts the amount you pay.

As stated above, the amount of commission is predetermined by our commercial relationship with the lender and cannot be changed for your agreement.

For full details on our commission arrangements and further important information, please click on our Initial Disclosure Document

Northern Bear Automotive Limited is registered in England and Wales, registered address, Studio 9, Riverview Serviced Offices, Riverview Business Centre, Asama Court, Newcastle Upon Tyne, NE4 7YL Company number: 15358254

The Financial Ombudsman Service (FOS) is an agency for arbitrating on un-resolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

Data protection license number: ZB665221

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