We have a 98.4% acceptance rate!

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Bad credit car loans for all purposes

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Defaults, CCJ's, IVA or arrears? No problem!

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Taxi driver or self employed? No problem!

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Whatever your situation, we can help!

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Benefit only incomes accepted!

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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
  • In the last 12 months we approved 98.4% of applications
  • Borrow from £500 to £50,000
  • Negative equity and balloon payments refinanced
  • No deposit plans available
  • Established over 20 years

As long as you are over 18, free from bankruptcy 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.

Can I apply even if I have bad credit ?

Yes. Our whole business model is designed to help people who have currently, or in the past, had a poor credit rating.  We match our customers with the best lender for them and ensure the lowest rate possible in line with responsible lending from the Financial Conduct Authority. If you have further questions about bad credit car finance then please feel free to contact us.

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.

What does bad credit car finance include ?

Car finance for bad credit is no different from any other car finance agreement. You agree with a lender to pay a certain amount of money each month, every month, for a fixed term. A bad credit car loan is usually taken on terms of 1-6 years, and the APR depends completely on your personal circumstances.

Client Reviews

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

Refusedcarfinance.com is a trading style of UK Car Finance Limited.

Refused Car Finance 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.

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 APR 29.9%.

Note: We cannot be held responsible for specification errors, and price errors, we use Motortrade software which is not always 100% accurate. Copyright 2016 Refused Car Finance.

Apply for Bad Credit Car Finance today! There is no such thing as guaranteed car finance however we are one of the UK’s leading car finance brokers with a 98.4% acceptance rate. We work with a wide panel of lenders which enables us to find you the best finance rate for your circumstances.

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