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.

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!

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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.

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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.

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The Best Road Trips In The UK

The UK boasts some of the most beautiful scenery in Europe and many of these can be admired by simply getting in your car and going for a drive. We’ve picked our favourite driving routes that we think you should do at least once in your life time! These driving routes have been chosen as we think they offer either a great day out, a long weekend away or offer some thrilling routes for the more adventurous drivers.

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The New VED Road Tax And How it Affects You

Vehicle Excise Duty (VED) is a road tax that is enforced onto most types of vehicles that are being used on roads in the UK. Tax rates are based on engine size or fuel type and the amount of CO2 that is produced from your vehicle. The government have introduced new changes to road tax that are coming into force in April 2017.

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The Best Selling Cars of 2016

Last year saw a whopping 2.7 million total cars registered in the UK, with especially huge growth throughout the year for British car manufacturing. In our previous blog post we looked at the best selling cars halfway through the year; now we’ve got a final round-up of the best sellers in 2016. Read on to find out what has moved, what’s dropped out of the race completely and if the Ford Fiesta kept its crown!

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New Year’s Resolutions For Your Car

We can’t quite believe it’s 2017 already here at RCF headquarters. Like many others, we have some resolutions lined up for this year, one of which is to be kinder to our cars. They’re our faithful companions and they can be for many years, provided we look after them right. We’ve put together some tips on how to keep your car in tip top condition this year.

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Top 10 Christmas Songs to Drive Home to

There’s nothing like singing a good ol’ Christmas song in the car on your drive home. We’ve put together what we think is the ultimate Christmas driving playlist. Merry Christmas!

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Winter Driving Tips

It’s that time of year again – dark nights, icy roads and the official countdown to Christmas (10 days!) Around this time of year a lot of people will go to visit loved ones which can mean long car journeys. We’ve got a quick refresh on tips for driving during these months, as well as some tips on looking after your car!

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Christmas Gift Guide for Car Lovers

The Christmas season is well and truly upon us, so it’s time to think about what to buy our loved ones. If you have a car lover amongst your friends or family then fear not, as Refused Car Finance have the ultimate Christmas gift guide for car lovers!

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What is recorded on your credit file?

Following up from our blog on improving your credit score, we wanted to clear up what is and what isn’t recorded on your credit report. It can be hard to know what exactly is reported on your credit record so we have the low down on everything you need to know.

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Tips on Rebuilding your Credit Score

It can be hard to face up to the fact that your credit score is less than perfect but with a bit of time, patience and good advice it is something you can fix. There are many factors that affect your credit rating and it is well known that having a poor score can restrict you from getting financial products and the best interest rates. A credit score of over 700 is generally considered a good score although it is important to remember that there is no universal credit score in the UK.

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Petrol vs Diesel

One of the longest running debates that still circulates in the motor world is whether to buy a petrol or diesel powered engine. This is one of the first things you will have to think about when buying a new car and we have an overview of both – so you can choose the one that suits your needs most.

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Driving Test Tips: How to pass and cope with nerves!

Taking your driving test can be extremely daunting and many of us want to pass the first time. Data published by the Driver Vehicle and Standards Agency reveals that 47.5% of people in the UK passed their test on their first time during part of 2016.

With more than half of us not passing first time around, we have put together a small guide on what to expect, how to prepare and how to cope with nerves on the big day.

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There are over a whopping 30 million drivers on the road in the UK which could be a recipe for disaster if the rules of the road aren’t obeyed. We’ve got a run-down of the the worst driving habits and what the potential penalties may be if you’re caught.

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How to Buy a Car with Bad Credit

If you have a less than perfect credit score you may have found it more difficult to get finance for your new car. However taking steps to understand what requirements you will have to meet and what will affect your credit score can help when you looking for car finance.

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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 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.