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!

Zoe’s Story

Posted on 22/06/2017

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. Both Zoe and her daughter ended up applying for finance – and both drove away their new cars within a matter of days.

Zoe who bought her car with Refused Car Finance

From the moment Zoe visited our website, she found the whole process of applying for car finance very easy. Within 10 minutes of completing our short online application form, she was called by Dan, our customer contact manager, to begin the process of finding her a great car finance deal.

Within 30 minutes she had a fantastic finance offer from one of our lenders and was able to go to her local car dealership to choose her car. Within 6 working hours, she had applied, been approved, chosen her car and had the loan paid out! One thing in particular that Zoe was impressed with was how quickly the process was and the amount of contact Dan made to keep her up to speed at each stage of the application process.

She said, “Other companies that I’ve used don’t seem to care as much about their customers, but I felt Refused Car Finance do and go out of their way to help everyone.”

One of our priorities as a company is to look after the customer, ensure they get treated fairly and help them get into the car they want, regardless of their credit history. When Zoe applied for finance, she wanted a Mini Cooper and that’s exactly what we got her into! Mid June she picked up her new Mini Cooper Turbo Diesel in cream from the garage and was absolutely thrilled. Her daughter has driven away in a Peugeot 107 – the perfect size car for a new driver and cheap to insure!

Zoe getting her Mini Car on finance
Zoe's Daughter with her car

Would Zoe recommend Refused Car Finance? She said, “Of course I would recommend Refused Car Finance – I have already done so to friends and family.”

Here at Refused Car Finance, no-one will work harder to get you the best car finance deal for your circumstances; whether you have good credit, bad credit or no credit history at all!

Thinking about applying for car finance?

If you:

 Are over the age of 18  Hold a UK driving licence  Have lived in the UK for at least 3 years  Are free from bankruptcy

Then we can help!

We don’t charge any customer fees so apply now for a no obligation quote!

Apply Now

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

4.90 Average

94 Reviews

Wow very friendly understanding and knowledgeable advisors. Found very a resonanable rate not the usual punitive Apr they try to charge people with less than a perfect credit rating. They allowed me to find a vehicle that I wanted at a garage that suited me ! Would definitely recommend and best of all no fees !

Refused car finance has helped me find the right finance for my car ,they were very helpful.

Jacob made the process so easy from start to finish. Easy to deal with and really cared. I'm loving my new car. Thanks to Jacob and all the team at Refused Car Finance