Used Cars in Penrith — Bad Credit Guaranteed Car Finance

AA Approved · 12-Month Warranty · HP & PCP · Part-Exchange · HPI Clear

Looking for used cars in Penrith with simple monthly payments? We offer Bad Credit Guaranteed Car Finance, zero-deposit options, and same-day drive-away on many cars. Subject to status and affordability checks. Guarantor/Deposit may be required.

Choose from city-friendly hatchbacks, family SUVs and estates, economical hybrids/EVs, plus premium marques like BMW, Audi, Mercedes-Benz, Land Rover, Jaguar, Porsche, Tesla. Mainstream value from Ford, Vauxhall, VW, Nissan, Toyota, Kia, Hyundai, Peugeot, Renault, Skoda, SEAT — all HPI clear with a 12-month warranty.

Browse by car type

Hatchback SUV / 4x4 Estate Saloon Coupe Convertible MPV / People Carrier Electric & Hybrid Automatic Manual Petrol Diesel

Popular brands near Penrith

BMWAudiMercedes-BenzLand RoverJaguarPorscheTeslaLexusVolvoAlfa RomeoFordVauxhallVolkswagenNissanToyotaKiaHyundaiPeugeotRenaultSkodaSEATDacia
AA Approved Dealer – Kirkham Part Exchange Centre – Penrith Autoguard 12-Month Warranty – Included as standard – Penrith
Judgement-Free Car Finance – You’re More Than a Number. – Bad Credit Guaranteed Car Finance – (01772 971422)
AA Dealer    12-Month Warranty    HP & PCP Finance    Part-Exchange    Same-Day Collection

Featured stock

MERCEDES-BENZ A-CLASS 1.5 A180d Sport (Premium) Hatchback 5dr Diesel 7G-DCT Euro 6 (s/s) (109 ps) NATIONWIDE PARTS & ...

MERCEDES-BENZ A-CLASS 1.5 A180d Sport (Premium) Hatchback 5dr Diesel 7G-DCT Euro 6 (s/s) (109 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

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 FORD FOCUS 1.0T EcoBoost ST-Line Hatchback 5dr Petrol Manual Euro 6 (s/s) (125 ps) ***DRIVE AWAY TODAY*** NATIONWIDE ...

FORD FOCUS 1.0T EcoBoost ST-Line Hatchback 5dr Petrol Manual Euro 6 (s/s) (125 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

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 BMW 6 Series Gran Coupe 3.0 640d M Sport Saloon 4dr Diesel Auto Euro 5 (s/s) (313 ps) NATIONWIDE PARTS & LABOUR WARRA...

BMW 6 Series Gran Coupe 3.0 640d M Sport Saloon 4dr Diesel Auto Euro 5 (s/s) (313 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

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 VOLKSWAGEN T-ROC 1.0 TSI GPF S SUV 5dr Petrol Manual Euro 6 (s/s) (115 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & ...

VOLKSWAGEN T-ROC 1.0 TSI GPF S SUV 5dr Petrol Manual Euro 6 (s/s) (115 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

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 MINI COUNTRYMAN 1.5 Cooper SUV 5dr Petrol Manual ALL4 Euro 6 (s/s) (136 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUD...

MINI COUNTRYMAN 1.5 Cooper SUV 5dr Petrol Manual ALL4 Euro 6 (s/s) (136 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

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 Mercedes-Benz CLA 1.6 CLA180 AMG Line Coupe 4dr Petrol 7G-DCT Euro 6 (s/s) (122 ps) NATIONWIDE PARTS & LABOUR WARRANT...

Mercedes-Benz CLA 1.6 CLA180 AMG Line Coupe 4dr Petrol 7G-DCT Euro 6 (s/s) (122 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

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 VOLKSWAGEN POLO 1.0 EVO SE Hatchback 5dr Petrol Manual Euro 6 (s/s) (80 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUD...

VOLKSWAGEN POLO 1.0 EVO SE Hatchback 5dr Petrol Manual Euro 6 (s/s) (80 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

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 VOLKSWAGEN TIGUAN 2.0 TDI BlueMotion Tech R-Line Edition SUV 5dr Diesel Manual 4WD Euro 6 (s/s) (150 ps) NATIONWIDE P...

VOLKSWAGEN TIGUAN 2.0 TDI BlueMotion Tech R-Line Edition SUV 5dr Diesel Manual 4WD Euro 6 (s/s) (150 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED

Click for Bad Credit Guaranteed Car Finance & Turn Rejection into Redemption – Finance That Works for You.

 FORD KUGA 2.0 TDCi EcoBlue ST-Line SUV 5dr Diesel Manual Euro 6 (s/s) (150 ps) 3 YEAR NATIONWIDE PARTS & LABOUR WARRA...

FORD KUGA 2.0 TDCi EcoBlue ST-Line SUV 5dr Diesel Manual Euro 6 (s/s) (150 ps) 3 YEAR NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED

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 RENAULT CAPTUR 0.9 TCe ENERGY Iconic SUV 5dr Petrol Manual Euro 6 (s/s) (90 ps) NATIONWIDE PARTS & LABOUR WARRANTY IN...

RENAULT CAPTUR 0.9 TCe ENERGY Iconic SUV 5dr Petrol Manual Euro 6 (s/s) (90 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Got Rejections? You're Not Alone! Low Rates, No Judgement.
Used cars and finance – dealership exterior – Penrith

Approved Used Cars — HPI Clear, PX Welcome, Finance Options

All retail cars are HPI clear and include a 12-month warranty. We offer part-exchange (we can settle existing finance), zero-deposit where possible, and same-day drive-away on many vehicles. Premium stock from BMW, Audi, Mercedes-Benz, Land Rover and Jaguar, plus great value from Ford, Vauxhall, Volkswagen, Nissan, Toyota and more.

Apply online in minutes or call 01772 971422. We serve Penrith and nearby: Barrow-in-Furness, Kendal, Carlisle, Whitehaven, Workington, Kirkham, Preston, Blackpool, Lytham St Annes, Poulton-le-Fylde.

Featured Vehicle Videos

2015 BMW 3 SERIES 2.0 320d M Sport Touring 5dr Diesel Auto xDrive Euro 5 (s/s) (184 ps) – video thumbnail – Penrith
2015 BMW 3 SERIES 2.0 320d M Sport Touring 5dr Diesel Auto xDrive Euro 5 (s/s) (184 ps)
2016 Volkswagen GOLF 2.0 TDI BlueMotion Tech GT Edition Hatchback 3dr Diesel Manual Euro 6 (s/s) 150 – video thumbnai...
2016 Volkswagen GOLF 2.0 TDI BlueMotion Tech GT Edition Hatchback 3dr Diesel Manual Euro 6 (s/s) 150
2019 RENAULT CAPTUR 0.9 TCe ENERGY Iconic SUV 5dr Petrol Manual Euro 6 (s/s) (90 ps) ULEZ – video thumbnail – Penrith
2019 RENAULT CAPTUR 0.9 TCe ENERGY Iconic SUV 5dr Petrol Manual Euro 6 (s/s) (90 ps) ULEZ
2014 Renault GRAND SCENIC 1.5 dCi ENERGY Dynamique TomTom MPV 5dr Diesel Manual Euro 5 (s/s) 110 ps – video thumbnail...
2014 Renault GRAND SCENIC 1.5 dCi ENERGY Dynamique TomTom MPV 5dr Diesel Manual Euro 5 (s/s) 110 ps
👁️ Page Views: 142

Also popular near Penrith: Barrow-in-Furness · Kendal · Carlisle · Whitehaven · Workington · Kirkham · Preston · Blackpool · Lytham St Annes · Poulton-le-Fylde

Bad Credit Finance — FAQs

Can I get car finance with bad credit in Penrith?
Yes — we specialise in Bad Credit Guaranteed Car Finance for drivers in Penrith. We work with a panel of lenders that accept a wide range of credit histories. Subject to status and affordability checks. Guarantor/Deposit may be required.
Do you offer HP and PCP?
Yes — both Hire Purchase (HP) and Personal Contract Purchase (PCP). HP suits straightforward ownership; PCP keeps monthly payments lower.
Can I get zero-deposit car finance?
Often, yes — subject to status. A deposit can reduce monthly payments but isn’t always required.
Are your cars HPI clear?
Yes — retail cars are HPI clear. We can show the report on request.
Do you take part-exchange?
Yes — we can settle outstanding finance and use equity towards your deposit.
How quickly can I collect?
Same day or next working day once documents are signed and funds are released.