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!


Keep up-to-date with the latest news from Refused Car Finance and motor industry trade news as well as the best car finance advice and driving tips. If you are looking for help on how to rebuild your credit score or advice on driving in the winter, then you will find your answer here.

The Best Convertible Cars: Our Top Picks

Despite the weather in the UK, us Brits have had a long love affair with convertible car. British drivers are more likely to drive convertibles than our fellow Europeans, despite many cities in Europe having more days of sunshine per year. It’s easy to see why we love them though; there isn’t anything quite like the experience of open top driving with the wind in your hair, the sun on your face (if its out!) and the thrill of driving a fast sporty car. With that in mind, what are some of the best convertible cars out there? We give you our top ten picks.

read more

The Best Electric Cars You Can Buy Now

Following on from the news that the sale of petrol and diesel cars will be banned from 2040, we wanted to find out what the best electric models are out there for you to buy right now. Whilst electric cars are still expensive to purchase, the low running costs will eventually outweigh a standard petrol or diesel car. Travelling 100 miles in an electric car will cost you anywhere between £3-4 depending on energy tariffs, compared to £15 in a petrol car.

read more

The Best Selling Cars of 2017… so far!

A total of 1,401,811 new cars were registered in the first half of 2017, so lets find out what cars people have been buying in the first half of 2017! Did Ford hold onto their top spot? Read on to find out!

read more

How to end your car finance agreement

If your circumstances change after you take out car finance you may be left worried about keeping up with your repayments and wondering what you can do. Ending your car finance agreement could be the best option for you to prevent you from missing payments which can have a negative impact on your credit score.

Read on to find out about the different types of car finance and how to end your agreement with the finance company.

read more

Buying a used car: A complete checklist to buying second hand

Despite rising numbers of new cars being bought, there were over 8 million used cars sold in the UK last year. Buying a second hand car, whether you’re buying privately or from a dealership, does have many advantages over buying a brand new car. Use this guide when you go to see and test drive the car you are interested in buying. It’ll help you avoid some of the most common pitfalls of buying a used car!

read more

Zoe’s Story

Here at Refused Car Finance we wanted to do something a little bit different and share with you a customer’s experience of working with us to get the best car finance deal possible!

Zoe from Newcastle upon Tyne was in the market for a new car and did a quick search on Google for car finance and read some of our previous customer’s reviews. Concerned that she might struggle to get car finance due to having “not the best” credit rating, she took a punt and applied through Refused Car Finance.

read more

DVLA scam email: what to look out for

It’s recently emerged from BBC Watchdog that a group of fraudsters are sending phishing emails, posing as the DVLA and asking motorists to fill in their personal details online. We’ve got some tips on what to look out for.

read more

A Guide to Car Servicing and MOT

Having a car is one of life’s greatest pleasures, except of course when you have to service it and put it through its annual MOT. We’ve got some tips, tricks and recommendations on the best places in the North East to get your car put through its yearly check up!

read more

Black Box Insurance: Pros and Cons

Black box insurance policies are becoming increasingly popular due to the rising cost of car insurance, with many drivers opting for this type of car insurance to reduce their premiums. Find out more about black box insurance and whether it’s the best option for you.

read more

The Best Car Shows in the North East 2017

Are you a motor enthusiast or do you just love a good day out? This summer the North East has got some of the biggest and best car shows happening – we’ve picked five that we think you’ll love!

read more

The Best Family Cars to Buy 2017

Buying a new car is a big investment and finding the perfect motor is important, especially if you’re looking for something that’s for you and your family. If you’re in the market for a new family car, we’ve got a run-down of our top ten picks of...

read more

The 2017 Driving Test Changes You Need to Know

The Driver and Vehicle Standards Agency recently announced they were making changes to the practical driving test, with the biggest shake up since the written theory test was introduced in 1996. The changes are due to be implemented in December 2017, so if you’re planning on taking lessons later this year, find out what you need to know.

read more

The Cheapest Cars for Young Drivers to Insure

Young drivers in Britain are faced with some of the highest insurance costs due to the fact that they tend to be riskier drivers on the roads. Insurance for your house, your belongings or even your pet are all optional, but unfortunately if you want to drive on the roads, you have to insure your car. We’ve put together the top ten cars that are the cheapest for drivers under 25 to insure.

read more

Negative Equity: What is it?

Negative equity is a term that you may have heard quite a lot when talking about car finance, but many people aren’t entirely sure what it means and what the consequences of having negative equity are when it comes to car finance. Find out more on our blog.

read more

Will my employment status affect my chances of being approved for car finance?

When you apply for car finance you’ll be asked to provide documents to support your application, so lenders can determine whether you’re a suitable person to borrow a loan. This may include (but isn’t limited to) your driving licence, proof of address and proof of your income. Lenders need to determine how you will be repaying your loan so your employment status and type of job is a factor that will affect your chances of approval.

Read on to find out about applying for car finance and how your employment status and type of job can affect your chances of approval.

read more

Top 10 Most Iconic Movie Cars

What makes a good film even better? A feature from an awesome car!
We’ve sifted through the most iconic cars that have appeared in some of our favourite movies and have put together our top ten. And so, in no particular order, we present to you the most iconic movie cars, ever!

read more

How to appeal a bus lane fine

The rise in bus lane fines in recent years has been significant and since the introduction of the Traffic Management Act in 2004, councils outside of London have begun enforcing penalty charge notices. Before that the police took care of it which meant it was harder to catch people out and less notices were issued.

Cities such as Manchester, Glasgow, Leeds and our own city Newcastle have been hit the hardest with many blaming poorly located signs or confusing road layouts. If you’ve been caught out by a bus lane we’ve got some tips and advice on how you can appeal.

read more

The World’s Most Expensive Cars (Infographic)

The world of super cars and hyper cars is one that many of us can only dream of being a part of, with these elite cars costing in excess of £500,000 and more. A super car is a term used by automakers to distinguish unusual, high end cars from standard models and is usually applicable to cars that are a limited production specialist models from elite automakers, standard looking cars that have been modified to enhance their power and performance or one of a kind show case vehicles that were created as part of a project. Whichever category they fall into, all super cars are very fast, very expensive and very powerful.

read more

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

Refused Car Finance Reviews

4.89 Average

82 Reviews

I tried every where to get a car finance as I was on benifits and had a bad credit and refused actually found a place that accepted me and because of them I've finally got my car

I was very happy with how they handled my finance and the way they helped me find my car . I also took a long time in finding a car because of what i needed but they aways helped me thanks to all the refusedcarfinance team

Firstly I must say that Paige, the lady I spoke with dealt with my case, comes very highly recommended, she is a huge asset to your team, she is very kind, thoughtful and calming. Secondly, because of Paige's input and understanding, the whole experience has left me feeling very satisfied.