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!

Apply for car finance

Apply for car finance today! Just fill out our simple form, it’ll only take a few minutes. When we’ve received your application, one of our Customer Contact team will give you a call to confirm your identity and your details – but the phone call will only take 5 minutes! Once we have a few more details, we’ll be able to match you against our lenders and find you a great car finance deal for your circumstances. Have bad credit? Don’t worry! We approve 98.4% of applications, including those with bad credit, good credit and no credit at all!

Please apply if you can say yes to the following five statements…
red tick I am 18+ years old
red tick Lived in the UK for 3+ years
red tick Free from bankruptcy
red tick Can prove your affordability
red tick Hold a full UK driving licence














Safe & Secure

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

4.92 Average

110 Reviews

Very friendly team , they have sorted everything thing out for me , everything was so easy to do on line . 10/10 from me very happy customer 👍👍

These people at this company most certainly now how to help when u need helping and get the job done talk about going the extra mile omg they went the extra 100 miles for me found the car i wanted with the spek i asked for would i recomend this company and these peoe let me just say u would be a fool to go to anywere else this firm is miles ahead of the nearist competitor simply miles. Thanks guys from me chris R manchester

They were a very big help finding us car finance would highly recommend to anybody