Leading bad credit car finance specialists

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We approve 98.4% of finance applications

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Apply today and pay nothing until Spring

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

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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 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

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 2016 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.

* 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, APR – 29.2%

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.

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