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 London

Choosing car finance in London? Refused Car Finance are the number one bad credit car finance specialists with a 98.4% approval rate. We are committed to accepting car finance applications and getting the people of London in their new cars.

If you have spotted a car in London or elsewhere we can obtain car finance for you regardless of the dealership you choose. Your choice of vehicle should not be limited! Although we have approved dealerships we understand that you may have spotted the car you want at a local dealership and we are more than happy to help you finance it.

car finance in london

If you find yourself in the market for a new or used car whilst living in the Capital but worry that a poor credit history may harm your chances of getting a car loan then look no further. We can bring you the best car finance deals, even if you have been turned down in the past.

What’s more, we do all the hard work for you so you can get out and search the London car dealerships for your perfect motor. You can get some inspiration by seeing the cars we currently have in stock here at Refused Car Finance.



Approved Applicants

Apply online now with our quick and easy application form.

Number of applications last month

Car Finance Deals London

No Deposit Options
✓ Pay Weekly and Monthly
✓ Surprisingly Low & Fixed Interest Rates
✓ Flexible Repayment Terms
✓ Receive an instant decision

Don’t settle for anything less than the best! When it comes to London car finance it’s important to get the best deal. We work harder than anyone else to get you the best car finance deal that suits you the best. We understand that everyone has different needs and what is suitable for someone else may not work for you!

We will match you up with the lenders that suit your needs. So if you wish to pay monthly over a 60 month period with no deposit then we will send your application to lenders that match your criteria.

Which postcodes do we cover for London Car Finance?

E – Eastern

EC – Eastern Central

N – Northern

NW- North Western

SE – South Eastern

SW – South Western and Battersea

W – Western and Paddington

WC – Western Central

Bad credit car finance London

Car finance for bad credit is made easy with Refused Car Finance. When you apply for car finance through us you have over a 98% chance of being approved. That means you have over a 98% chance of driving away in your car with your finance all sorted.

We are proud to say that we have one of the highest acceptance rates for London car finance from any broker or lender in the UK. How do we do this? We have carefully selected a specialist panel of lenders who focus specifically on approving people with bad credit, or on benefits. Due to the depth of our lending panel and their lending criteria, we are able to significantly improve your chances of being accepted for car finance compared to many of our competitors.

Car Finance London

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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