Car finance Essex

Worried your chances of getting Essex car finance are looking a bit bleak? If you’ve been searching for car finance Essex then you’ve come to the right place! Getting approved for your car finance deal has never been easier than with Refused Car Finance. We work harder than anyone else to get you the finance you need. Let us explain how…

We specialise in bad credit car finance Essex.

We specialise in bad credit car finance. If you have been refused and declined for finance elsewhere you’re probably worried you may be again. But with us you don’t need to stress. We have carefully selected a specialised lending panel so whether it’s a poor credit score or low affordability that got you refused last time, we have options available to you.

Who can get approved for Essex car finance? 

If you meet the car finance criteria below, we can send your application off to our lending panel. 

✅ Are 18 or older.
✅ Have lived in the UK for at least 3 years.
✅ Not currently bankrupt.
✅ Able to prove you can afford the finance.
✅ Hold a full UK driving licence.

man and woman getting car finance together

Can I get guaranteed car finance in Essex?

If someone is promising you guaranteed car finance, they’re having you on. It’s impossible, unethical and against the Financial Conduct Authorities regulations for any company to guarantee you car finance. The fact that they’re happy to blatantly lie to you about that should act as a huge warning sign. We’re very open and honest that we cannot guarantee you will get car finance through us. However, our approval rating is amongst the highest in the whole country and we specialise in getting people approved who have been declined elsewhere.

We can send you to our panel and try to get Essex car finance even if you fall into the following categories:

– On ‘benefit only‘ income.
– Have poor or bad credit.
– Part-time workers.
– Agency workers.
-Have been refused elsewhere.

Don’t take our word for it though, you can read some of the lovely comments our customers have left.


“Highly recommend these. We have two cars thanks to these guys, and a massive thanks to Sean who dealt with us, and it wasn’t an easy task haha. Incredible service! He deserves so much credit for how hard he works! 😊” – Lisa Davison (Via

How does it work? 

woman filling in car finance application on phone

1. Tell us about you. 

Fill in our short application form and we’ll be in touch! Applying with us won’t harm your credit score nor will it be recorded on your credit report.

choosing car finance package for you

2. Find a lender. 

We’ll be in touch with a financial decision for you. If one or more of our lenders wish to offer you finance, we’ll select the lowest rate offered. 

man in his new car at the dealership

3. Choose a car. 

Once you’re happy with the finance and you’ve signed the paperwork, all that’s left to do is choose a car within your budget from an FCA-approved dealer in the Essex area or across the UK. 

Which used car could I buy? 

If you’ve been searching cars and think ‘that’s a bit of me’, then we can help you get it! The amazing thing about getting your car finance sorted through a car finance broker like us is that you are free to pick your car from a huge range of reputable dealership in the whole of the UK.

If you get your car finance sorted at a dealership you tend to have to buy a car they have available there any then on the forecourt. Let’s face it that’s not always convenient for you. Instead we get you approved for car finance first and then you can find a car that works for your budget.

Essex car finance deals.

When you apply for car finance in Essex through us you can benefit from all of these:

⭐️ Freedom to buy a car from any reputable FCA-approved dealership.
⭐️ Payments to suit your monthly budget.
⭐️ Fixed interest rates.
⭐️ No need to pay a deposit.
⭐️ Joint applications accepted.

Get Your Essex Car Finance Sorted Today!

Make a free application today with no effect on your credit score! We’ll then be in touch with a decision for you.

How does car finance Essex work?

1. Apply Online
2. Choose A Car
3. Drive Away!

Yep, it really is that simple. Apply today and you could be driving your next car as soon as tomorrow!