Car finance Birmingham just got easier! 

Searching for the best Birmingham car finance available? Then look no further! Refused Car Finance will get you the best car finance deal from selected UK lenders. 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 is here to help!

How does it work? 

Whether you’re looking for car finance in Birmingham or further afield, we can help people all over the UK get the finance deal they want and need! The process is really simple. We act as a car finance broker and help you find a lender who wants to offer you finance. Once you’ve secured a finance deal, you can choose a car within your budget from any trusted dealership! 

apply online today!

1. Apply with no effect on your credit score. 

Make a free application with us and one of our friendly team will be in touch. 

finding the best finance deal from our lenders

2. Get a finance decision. 

If one or more of our lenders wish to offer you finance, we’ll help you find the deal with the lowest APR. 

choosing your new car from a dealership in UK

3. Choose your car from an FCA dealership. 

Once you’ve signed the paperwork, choose any car within your budget from any dealership verified by the FCA.

Can I get guaranteed car finance Birmingham? 

Many companies make false promises of guaranteed car finance. It’s important to know that when it comes to car 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 work harder than any other car finance broker to help get you the finance approval you need!

Car finance criteria.

We ask you can say YES to the following before applying:

✅ I have lived in the UK for three or more years.
✅ I am over the age of 18.
✅ I am free from bankruptcy.
✅ I hold a UK driving licence.
✅ I can prove you can afford finance.

We can then send you to our lending panel and see if any of them would like to offer you finance!

Can I get Birmingham car finance with bad credit?

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 your credit score has dropped. 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.

Which car can I get?

Get ANY car from ANY dealer!

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!

woman with happy news

Why choose Refused Car Finance?

We are one of the UK’s leading car finance brokers helping drivers all over the country get the finance approval they need!

💙 No deposit needed.
💙 100s of cars to choose from.
💙 Deals to suit your budget. 
💙 Bad credit-friendly options. 
💙 Hire purchase, PCP & personal loans. 
💙 Competitive APR rates. 


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!

⭐️⭐️⭐️⭐️⭐️ “What can I say, Sean was an absolute star from start to finish. Can’t thank him enough for taking time to talk me through every step of the process. He was courteous and friendly and made the whole process so easy. Thank you Sean, you’re a star.” – Helen McKenzie via

⭐️⭐️⭐️⭐️⭐️ “If you need a car and are refused credit, the brokers here will definitely be able to help and get you a solution to your problem! They were very efficient, prompt, professional and friendly! I would highly recommend getting in touch as they will surprise you! Thank you for all your help! Much appreciated!” – Madelina Stefan via Google reviews

Read our car finance reviews.

Apply for Birmingham Car Finance Today

No card details are required.

✓ No harm to your credit score.

Receive an instant decision online.

✓ A member of our team will call you back.