13th October 2025
Buying a car is exciting, but figuring out finance can feel overwhelming. That’s where this guide comes in. We have broken down everything you need to know to get approved for car finance, avoid common mistakes, and drive away in the car you really want... without stress. Save this guide, share it with friends, and let ...
Northern Bear Automotive
Blog
Welcome to the Northern Bear Automotive blog, your trusted source for motor finance news, expert advice and the latest updates from one of the UK’s leading vehicle finance brokers.
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Northern Bear Automotive delivers personalised finance solutions, securing competitive rates through our extensive lender network.
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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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