Finance products

Poor Credit Finance

Everyone deserves a second chance.

Apply for Poor Credit Finance All products

A bumpy credit history doesn't have to mean no. We work with lenders who look at where you are now and where you're headed — not just your past — and we'll always be straight with you about your options, subject to status.

What you get

Lenders who see the whole picture
Judged on now, not just your history
Honest, no-pressure guidance
An enquiry needn't affect your score

Frequently asked

Can I get finance with a CCJ or default?

It may still be possible depending on your circumstances. We can't promise acceptance, but we'll look at your situation and tell you honestly what's realistic.

Get a quick decision

Tell us a little about what you’re after and we’ll do the rest. No obligation.

Apply now

or call 0191 743 7654

Important 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).