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 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!

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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...

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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.

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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.

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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.

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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.

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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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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 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 based off of Google Business Reviews.