We can provide finance for people who have had difficulties obtaining credit in the past,
if we can’t approve you, we don’t think anyone can!

About Us

We are Refused Car Finance, bad credit car finance specialists based in the North East of England, with expansion plans well underway. We are immensely proud to be one of Newcastle’s leading car finance companies. What makes Refused Car Finance a great company to work for? Find out below.

Our Mission

Refused Car Finance was founded in December 2014 and has since grown substantially to become one of the UK’s leading car finance brokers, specialising in bad credit car finance. Our goal is to make car finance accessible to everyone, allowing people to buy the car they want using a budget they can afford. We have developed relationships with many lenders and currently work with a panel of over 15 different lenders. This is what allows us to provide car finance for a wide range of customers at the best rate possible.

All of this means we are able to provide the best service, instant decisions, flexibility and support throughout the whole process. We are regulated by the Financial Conduct Authority and all of our staff are SAF certified so you can use our service safe in the knowledge that you will be getting the best finance rate with a reputable company.

We are based in Newcastle upon Tyne and serve the whole of the UK. Find out more about car finance near you.

The year Refused Car Finance was founded


The percentage of applications that get an approval

The number of people we have helped get car finance

What makes Refused Car Finance great? Well our director believes it’s us – the people, the team! We all bring unique skills and qualities to the table in all of our departments; sales, marketing and aftercare, all of which work together to bring our customers the best possible service.

Making sure every member of staff is happy is our priority! All us us are given the same opportunities to progress our professional skills and are offered room to grow with the business. And because we are all enjoy the role we play within the business, we have a really great atmosphere – it’s even better when the takeaway grub is in! All of these things contribute to our ‘in it together!’ mentality; we’re like a small family, always game for a good laugh and some after-hours bonding/bevvies!

You can find out about each individual that makes up Refused Car Finance on our meet the team page.

Who can we help?

We specialise in helping those who may find it difficult to be approved for car finance at most high street banks and lenders. If you work in the armed forces, are a taxi driver, are an agency worker or you are self-employed, it can unfortunately be difficult to secure credit.

At Refused Car Finance we can provide finance for new or used vehicles, motorbikes and caravans

We can accept you even if you’ve been declined elsewhere – all we ask is that you can prove your income, are over 18 years old and are free from bankruptcy.

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.