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 Carlisle

Car finance Carlisle – car credit designed to fit you. Regardless of your credit score or employment status, we have a wide depth of lenders so that we can match you up to one that works for your situation. We are passionate about getting the people of Carlisle into their perfect car. That is why we work harder than anyone else to get you the very best car finance package in Carlisle, but don’t just take our word for it please take a look at our customer reviews.

Applying is easy and payouts are fast so that you could be driving your new car away within days!

Who is eligible for Car finance in Carlisle?

Carlisle car finance has the same criteria as other areas of the country. If you match the following criteria than we can provide you with Carlisle car finance.

blue tick Be able to prove your affordability*

blue tick Been a UK resident for 3 or more years

blue tick Are 18 years old or more

blue tick Are free from bankruptcy

blue tick Hold a full UK driving licence

You will also need to be able to prove your identity and address. Find out more about the documents you need to get car finance.

*To prove your affordability, you must have some sort proof of your income, this can be in the form of payslips, bank statements, benefits letters etc. If you are paid cash in hand we recommend putting it through the bank for three months before applying.

Join thousands of others in Carlisle

If you met the criteria then we can offer you car finance! Don’t waste anymore time, applying takes just 30 seconds and you could be driving your shiny new motor within days!

Why get Carlisle car finance through Refused Car Finance?

Fixed Interest Rates
Choice to pay on a weekly or monthly basis
Flexible Repayment Term Length (12 – 60 months)
No Deposit options
Our Car Finance Experts all have an industry recognised SAF qualification so they can get you the very best deal available
We can source the car you want rather than settling for what is already in stock
Bad Credit Car FInance specialists
Instant Online Decision
98.4% of people were approved

How does Carlisle car finance work?

Car Finance in Carlisle is the same as car finance elsewhere in the UK. As a Northern company, we are passionate about helping you not only find your perfect car, but to get you the best car finance deal at the same time. Follow these three simple steps and you could be driving away this week.

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01. The first thing to do is fill out our 30 second application form.

Just click here and fill out all of the required fields.


02. A member of our team will then give you a quick five-minute call to check your details and find out more about what you want from your deal.

We understand some people aren’t keen on talking over the phone that’s why our team will make the call as quick and easy as possible for you. We do need to call you for compliance reasons, and you’ll have to do this whichever company you apply through. With a fountain of knowledge, out customer contact team are well equipped to help with any questions you fire their way.

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03. Accept your car finance offer.

Your dedicated representative will work hard to get you the very best car finance deals from our panel of lenders. Once we have heard back, which takes no longer than 24 hours, we will let you know what the lenders are offering you. As soon as you have chosen which car finance package that works best for you and have signed the documents the lenders require, you are free to go car shopping! Need help finding the right car? We can help there too.

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Used Cars for sale in Carlisle / Cumbria area

When you get car finance in Carlisle through us, you are able to buy a car from any FCA approved car dealer in the country. If you would like to stay local and choose a used car from a dealer in Cumbria you are more than welcome to. If you can’t find the car you want then let us know as we are able to source cars and have done for many of our customers.

Apply for Car Finance Carlisle today!

If you want car finance from a friendly, Northern company that works harder than anyone else to get you the very best car credit, then look no further.

Refused Car Finance are at the following address:

Lakeside House,

30 Northumbrian Way,

Newcastle Upon Tyne,

NE12 6EH

Please use the map to find directions from your location.

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