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!

How does Car Finance Work?

1. Apply Online

Fill out our quick application form on our website, it’ll only take a minute! Once completed a member of our Customer Contact team will be in touch to go over a few details with you.

2. Choose a car

Once you have been accepted by a lender you can pick a car from one of our recommended dealers or feel free to pick a vehicle from any independent FCA approved dealership in the UK.

3. Drive away

When you have provided all the necessary documents and signed the paperwork, you are ready to collect the keys and drive away in your new car!

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No customer fees
Quick and easy
Instant decision
98.4% of customers are offered a car finance deal

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How does Refused Car Finance work?

We are a car finance broker based in Newcastle upon Tyne specialising in bad credit car finance. Our goal is to provide car finance to those who have trouble getting car finance elsewhere.

With a current acceptance rate of 98.4% we are one of the top bad credit car finance brokers, choosing to look at affordability and income instead of credit history. We work with a panel of 15 lenders who have 61 tiers of finance between them so we can find the most suitable finance for your personal circumstances. Although no one can guarantee car finance, we come pretty close!

Once you have applied online for a no obligation quote, a dedicated customer contact agent will get in touch to go through a few details and help get the best finance deal for you. Once you’ve been approved by one of our lenders and you’ve accepted the offer, you can start the fun part of shopping for your new car!

At Refused Car Finance, we look after all the paperwork and the whole process on your behalf so you don’t have the hassle. The whole process from receiving your application, to getting you an approval can take just 24 hours meaning you could be driving your next car within the week!

Apply Online Now!

No deposit options available
Fixed payment plans
✓ We will call you back within 24 hours

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Registered with Information Commissioners Office ICO Registration Number: ZA132327

UK Car Finance Limited. Registered in England
Registered number 9397657.
Registered Office Lakeside House, 30 Northumbrian Way, Newcastle Upon Tyne, NE12 6EH

Refused Car Finance is a trading style of UK Car Finance Limited and is acting as a licensed credit broker and 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 – £8,500.00, Deposit – £0.00, Amount of credit – £8,500.00, Rate of interest – 16.24% per annum, Amount of interest – £6,912.00, Lender Documentation fee – £0.00, Lenders option to purchase fee – £10.00, Total charge for credit – £6922.00, First repayment – £256.70, Followed by 58 Monthly repayments of – £256.70, Final repayment – £266.70, Total amount payable – £15,412.00, Representative APR – 29.9%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 29.9% or lower

In the first 3 months of this year, UK Car Finance Ltd received 2140 unique applications, of which we were able to offer 2136 applicants a line of credit, subject to the applicant being able to provide acceptable proof of affordability, being free from insolvency and or/a supporting guarantor fitting the lenders eligibility criteria, this represented 99.8% of applicants in this period.

Rated No.1 for car finance in the North East of England collated from Google Business Reviews