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 Now for Car Finance

Time for a new car?

If the answer is yes, let Refused Car Finance get you the car finance you want, for the car you want, from the dealer you want!

Have a less than perfect credit history? 

Don’t worry! We provide affordable car finance whilst giving customers the chance to rebuild their credit score.

By applying through us, you’ll benefit from:
Piggy Bank No upfront costs, including no fees and no deposit to pay!*

Calendar Icon Weekly or monthly payment options to suit you.

Clock Icon A response within 24 hours!

98.4% of our customers walk away with a car finance offer, giving them the opportunity to shop around for a new car.

We can help you too!

*Subject to lender

cars on finance

Who can we help?

No one works harder to find you the best finance deal for you regardless of what your circumstances might be. We’ve teamed up with specialist lenders up and down the country who provide a wide range of finance products to cater to all types of customers. So whether you have good credit, bad credit or no credit history at all, we have a solution for you! That’s why we are able to say yes to 98.4% of you.


We can help as long as you:

o    Are free from bankruptcy

o    Are 18 years old or over

o    Have a valid UK driving license

o    Can prove you can afford it!

We can still help you even if you are part of the armed forces, self-employed, part-time, an agency worker or are on benefits.

Man approved for car finance

Applying for car finance has never been easier!


1. Fill out the application form on our website.

It’ll only take a couple of minutes!


2. Get a call back from a member of our friendly team. 

In a 5 minute call we will find out exactly what you want and inform you of the next steps.


3. Get approved. 

Get in! Once you’re approved we’ll let you know what documents we might need from you (this will depend on which lender we’ve matched you with).


4. Choose your car and drive away!

This is the fun part! Choose your car from any FCA approved garage.



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

Tthey are a big help gettinghey were a very big help finding us car finance would highly recommend to anybody