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
Rough Past, Smooth Ride – Used Car Finance Made Simple. – Bad Credit Guaranteed Car Finance – (01772 971422)
AA Dealer    12-Month Warranty    HP & PCP Finance    Part-Exchange    Same-Day Collection

Featured stock

BMW 1 SERIES 1.5 116d SE Hatchback 5dr Diesel Auto Euro 6 (s/s) (116 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED ...

BMW 1 SERIES 1.5 116d SE Hatchback 5dr Diesel Auto Euro 6 (s/s) (116 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Got Rejections? We Finance Your Future! Flexible Options for All Credit Scores.

 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

Click for Bad Credit Guaranteed Car Finance & Got Rejections? We Finance Your Future! Flexible Options for All Credit Scores.

 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

Click for Bad Credit Guaranteed Car Finance & Poor Credit History? Your Keys Are Waiting! Apply Today.

 VAUXHALL MOKKA X 1.4i Turbo ecoTEC Elite Nav SUV 5dr Petrol Manual Euro 6 (s/s) (140 ps) NATIONWIDE PARTS & LABOUR WA...

VAUXHALL MOKKA X 1.4i Turbo ecoTEC Elite Nav SUV 5dr Petrol Manual Euro 6 (s/s) (140 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Poor Credit History? Your Keys Are Waiting! Apply Today.

 KIA CEED 1.6 GDi 3 Hatchback 5dr Petrol DCT Euro 5 (133 bhp) DRIVE AWAY TODAY NATIONWIDE PARTS & LABOUR WARRANTY INCL...

KIA CEED 1.6 GDi 3 Hatchback 5dr Petrol DCT Euro 5 (133 bhp) DRIVE AWAY TODAY NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Declined Elsewhere? Drive Today! Everyone Gets a Chance.

 FORD S-MAX 2.0 TDCi Titanium MPV 5dr Diesel Manual Euro 6 (s/s) (180 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED ...

FORD S-MAX 2.0 TDCi Titanium MPV 5dr Diesel Manual Euro 6 (s/s) (180 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.

 HYUNDAI SANTA FE 2.2 CRDi Blue Drive Premium SUV 5dr Diesel Manual 4WD Euro 6 (s/s) (7 Seat) (200 ps) NATIONWIDE PART...

HYUNDAI SANTA FE 2.2 CRDi Blue Drive Premium SUV 5dr Diesel Manual 4WD Euro 6 (s/s) (7 Seat) (200 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Poor Credit History? Your Keys Are Waiting! Apply Today.

 AUDI A3 1.0 TFSI 30 SE Technik Sportback 5dr Petrol Manual Euro 6 (s/s) (116 ps) NATIONWIDE PARTS & LABOUR WARRANTY I...

AUDI A3 1.0 TFSI 30 SE Technik Sportback 5dr Petrol Manual Euro 6 (s/s) (116 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Poor Credit History? Your Keys Are Waiting! Apply Today.

 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

Click for Bad Credit Guaranteed Car Finance & Got Rejections? You're Not Alone! Low Rates, No Judgement.

 HYUNDAI I20 1.0 T-GDi Premium Nav Hatchback 5dr Petrol Manual Euro 6 (100 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS...

HYUNDAI I20 1.0 T-GDi Premium Nav Hatchback 5dr Petrol Manual Euro 6 (100 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & No Credit? Bad Credit? Still Driving Away Today!
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

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
2017 Nissan QASHQAI 1.6 dCi Tekna SUV 5dr Diesel XTRON 2WD Euro 6 (s/s) (130 ps) *DRIVE AWAY TODAY* – video thumbnail...
2017 Nissan QASHQAI 1.6 dCi Tekna SUV 5dr Diesel XTRON 2WD Euro 6 (s/s) (130 ps) *DRIVE AWAY TODAY*
2021 Fiat 500X 1.0 FireFly Turbo Hey Google SUV 5dr Petrol Manual Euro 6 (s/s) (120 bhp) – video thumbnail – Penrith
2021 Fiat 500X 1.0 FireFly Turbo Hey Google SUV 5dr Petrol Manual Euro 6 (s/s) (120 bhp)
2018 Vauxhall CROSSLAND X 1.2 Elite SUV 5dr Petrol Manual Euro 6 (81 ps) ULEZ – video thumbnail – Penrith
2018 Vauxhall CROSSLAND X 1.2 Elite SUV 5dr Petrol Manual Euro 6 (81 ps) ULEZ
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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.