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 in Cumbria

Looking to get the best Car Finance Cumbria deal? Refused Car Finance approve 98.4% of applications from the North West.

We have accepted applicants who have no credit history, poor credit history, unemployed, self employed, ex bankrupt or have defaults and arrears. We won’t decline you just because of a credit score.

The people of Cumbria have borrowed from £500 – £50,000 from us with affordable repayment plans and no deposit required. We also don’t charge customer fees whatsoever.


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  • 98.4% Acceptance Rate
  • No customer fees
  • Borrow from £500 – £50,000
  • No deposit plans available
  • Instant Pre-Approved Decision
  • Call back within 24 hours
  • Drive away your new car within a week
  • 30 second application form


Cumbria is one of the most beautiful regions of the UK. Famous for containing the Lake District National Park, it is well known for serving as inpiration for musicians, artists and writers.

Choose a car in Cumbria

We offer finance for any FCA approved car dealership within the Cumbria or elsewhere within the UK. You can visit our cars section to get some ideas.

Did you know?

Cumbria is home to England’s steepest road (Hardknott Pass), it’s longest lake (Windermere), it’s tallest mountain (Scafell Pike) and the World’s Biggest Liar Competition.

Get Started

If you are free from bankruptcy, over 18 and can prove you can afford a loan, then we can help you secure your car finance loan.


Approval Rate in Cumbria

The map to the left shows directions via car from the Highlands, please click the ‘more options’ link on the map to find directions from your postcode.

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

130 Reviews

I have dealings with other finance companies before who provide a reasonable service but I found the staff at refused finance went the extra mile in finding me a suitable vehicle from a reputable dealer. I needed a lot of help and assistance and they were always willing to accommodate my needs even when I was being indecisive. I had 1 broker in particular who stands out, Jacob, Jacob did a fantastic job and always found solutions to problems I encountered, without his commitment to customer care I may have given up. I will definitely be recommending your company and Jacob in particular. Thanks guys I don’t know what I would have done without you.

Brilliant service from Lewis and Michael. Very friendly and helpful, really happy with finance and car.

Very quick and easy process and staff are friendly all in all was a good experience I would definitely recommend