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!

Car Finance Birmingham

Birmingham Car Finance

Searching for the best Birmingham car finance available? Then look no further! Refused Car Finance will get you the best car finance deal. Although we are a North East car finance company, we specialise in getting the people of Birmingham the best car finance possible. We have established strong relationships with lenders and car dealers to ensure that we can offer you the best car loan. Whether you are looking for 0 deposit car finance or wondering ‘can I get finance with bad credit?’ then Refused Car Finance are here to get you just that.

We have one of the highest approval rates in Birmingham when it comes to accepting car finance! Over 98% of customers receive a car finance offer from one or more of our lenders.

Guaranteed Car Finance Birmingham

Many companies make false promises of guaranteed car finance. It’s important to know that when it comes to finance, nothing is guaranteed. No company can say with certainty that you will be approved for car finance without knowing your affordability.

At Refused Car Finance we can’t guarantee you car finance, but we can tell you that if you apply through us your chances of being approved are 98.4%! Not guaranteed, but very, very likely! Find out more about guaranteed car finance here.

If you can meet the following criteria we can offer you car finance:

Lived in the UK for three of more years

Are over the age of 18

Are free from bankruptcy

Hold a UK driving licence

Can prove you can afford finance

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Who can get Car Finance in Birmingham?

Regardless of your employment status or credit rating we could still be able to offer you car finance as long as you meet the above criteria.

So yes, that means if you are unemployed, receive benefits only income, are self-employed, are on a zero hours contract, or have no credit history at all we may still be able to get you approved!

bad credit car finance Birmingham

Car Finance Bad Credit Birmingham

If you have bad credit and are looking for car finance in Birmingham then you have come to the right place. Refused Car Finance specialise in bad credit car finance and are proud to get more approvals than many of our competitors. We understand there may be countless reasons as to why you currently have a poor credit score. We believe that there are much more factors than just a credit score that determine whether you should receive a car loan.

At Refused Car Finance we care about your affordability and whether you can comfortably meet your repayments. We have hand chosen specialist lenders who can approve bad credit car finance applications. As a result, we can offer you the very best deal for your circumstances.

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How does Birmingham Car Finance work?

Just fill in our quick application form on our website here.

Our customer contact team will be in touch via phone to confirm your details and get a better understanding of what you want from your car finance package.

Once you have been approved by a lender you can then go car shopping.

After all documents have been signed, you can collect your keys and drive your car away.

Why get Birmingham Car Finance with Refused Car Finance?

checked Flexible Repayment Term Length
checked Choice of Weekly or Monthly Repayment Schedule
checked Fixed Interest Rates
checked No Customer Fees
checked No Deposit Car Finance Options
checked High Approval Rates

Get Started

Applying takes just 30 seconds and you could be driving away your car within the week!

Cars on Finance in Birmingham

When you get Birmingham car finance through us you are free to pick a car from any car dealer in Birmingham or the UK. As long as the dealer is approved by the Financial Conduct Authority then you can get a car from them. If you are looking for a specific model of car our customer contact team can help source it for you. Regardless of your preference on make and model, getting a car on finance is easy!

cars on finance

Popular cars on finance in Birmingham

What do others say about Refused Car Finance?

Don’t settle for anything less than the best! Getting a quote from us is completely free and there is no obligation to take up the car finance offered. So why not see what we can offer you? You may be surprised at just how good our car finance deals are!

Don’t just take our word for it though, find out what previous Refused Car Finance customers have had to say!

Read car finance reviews.


Apply for Birmingham Car Finance Today

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 Receive an instant decision online

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How do I get to Refused Car Finance from Birmingham?

Lakeside House,

30 Northumbrian Way,

Newcastle Upon Tyne,

NE12 6EH

You can use the map to the left to find directions to Refused Car Finance, currently the map is showing directions from Birmingham. Feel free to change the map to show directions from your own postcode, (don’t worry this will only be shown to you not the rest of our users).

Not looking for Birmingham Car Finance? Search for your area below.


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

151 Reviews

I could not have been more happy with the service I received from Paige Walker. Not only was she extremely efficient, helpful and successful in sorting out my car finance; she was also absolutely charming, she has a very kind manner and was positive and helpful throughout the process. I really could not have hoped to have dealt with somebody as good as Paige. She is in my view a huge asset to your company, she made everything so easy and got me a great result. A very big thank you to Paige - and to your company.

refused car finance put me at ease from the very first phone call. After being turned down by numerous other companies, I didn’t have much hope but after speaking to Jacob about my credit file or lack of, he assured me it wasn’t nearly as bad as I thought it was. Got finance sorted in less than two days with literally half the interest I was quoted after being messed around for weeks by other companies. Jacob is a real asset to RCF, he kept me up to date every step of the way and was so easy to speak to! I Could not recommend RCF enough!!

The guy (dan) was amazing really helpful got everything sorted for me super fast explaining everything what a guy he really knows his stuff can’t thank you enough thanks