Leading sub prime car finance specialists

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We approve 98.4% of finance applications

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Apply now, pay nothing until summer time

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Cars from only £27 per week!

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No deposit and flexible payment options

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Refinancing options also available

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We make applying for car finance easy
in 3 simple steps

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30 second application

Free safe secure 30 second application

More about our car finance

  • We charge no customer fees whatsoever
  • 30 second simple application form
  • We have a 98.4% approval rate
  • Borrow from £500 to £50,000
  • Negative equity and balloon payments refinanced
  • No deposit plans available
  • We are proud to be authorised and regulated by the Financial Conduct Authority

As long as you are over 18, free from bankruptcy, have lived in the UK for at least 3 years and can prove you can afford a loan, we can help you!

Frequently Asked Questions

Below you’ll find answers to the questions we get asked the most about applying for car finance.

Can RCF secure me guaranteed car finance ?

Whilst nobody can guarantee car finance for every customer, Refused Car Finance currently has a 98.4% acceptance rate. We are very proud that through our network of approved car dealers we are able to offer access to every single specialist car finance provider in the country, as a result, over the last 12 months we were able to offer 98.4% of our applicants a loan! We take pride in the fact that we help hundreds of customers every single month drive away without even playing a deposit! Other companies will advertise guaranteed car finance but ask for a large deposit – we will never do that.

Do I need a guarantor ?

We have over 20 lenders and this enables us to find the right lender for your personal circumstances. For example if you need car finance but can not provide a guarantor – we will only search lenders that do not require one.

Why should I apply through Refused Car Finance ?

Refused Car Finance provides car finance for those who have been declined elsewhere or are worried their credit score may mean they’ll be refused a car loan in the future. With a 98.4% acceptance rate and a wide range of lenders, we are Newcastle’s leading sub prime car finance broker.

Registered with Information Commissioners Office ICO Registration Number: ZA132327

UK Car Finance Limited. Registered in England
Registered number 9397657.
Registered Office Henson House, Whitley Road, Benton, Newcastle Upon Tyne, NE12 9SR

Refused Car Finance and refusedcarfinance.com is a trading style of UK Car Finance Limited and is acting as a licensed credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority, registration number 714966. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

Written quotations on request. Certain exclusions for NI residents.

Note: We cannot be held responsible for specification errors, and price errors, we use Motortrade software which is not always 100% accurate. Copyright 2017 Refused Car Finance.

Refused Car Finance can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions.

*Representative Example
Cash price – £6999, Deposit – £0, Amount of credit – £6999, Rate of interest – 15% per annum, Amount of interest – £4199.40, Lender Documentation fee – £50.00, Lenders option to purchase fee – £50.00, Total charge for credit – £4299.40, First repayment – £283.30, Followed by 46 Monthly repayments of – £233.30, Final repayment – £283.30, Total amount payable – £11,298.40, Representative APR – 29.2%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 29.2% or lower

During the period May to December 2016, UK Car Finance Ltd received 5167 unique applications, of which we were able to offer 5085 applicants a line of credit, subject to the applicant being able to provide acceptable proof of affordability, are free from insolvency and or/a supporting guarantor fitting the lenders eligibility criteria.