Used cars on finance in Manchester!

If you are in Manchester and are looking to buy a new car but need to secure the finance first, then Refused Car Finance can help you! Car finance is an easy and effective way of paying for a used vehicle. You can spread the cost of your new car over manageable monthly repayments and we offer no deposit options too. Let us find the best finance solution for you and then choose any car from any local dealer or anywhere in the UK! 

We are a dedicated bad credit broker which means we specialise in bad credit car finance and approve applications that have been declined elsewhere. We have previously accepted applications from people in Manchester with the following credentials:

⭐️ No credit history.
⭐️ Poor credit.
⭐️ Benefit income.
⭐️ Self-Employed
⭐️ CCJs and defaults.
⭐️ Joint applications.

How does Manchester car finance work? 

Getting car finance in Manchester works in the same way as any of our other finance deals in the UK. You apply, we find you a lender and then you choose your car – it really is that simple! Find out more below. 

woman doing application on mobile phone

1. Tell us about you. 

Our quick and easy application form gets all the information we need from you to send off to our lenders for approval. Your credit score won’t be affected either. 

selecting the right lender for you

2. Find a lender. 

If one or more lenders on our panel wish to offer you finance, we’ll help you select the one with the best rate and you just need to sign the paperwork.

choose a car within your budget from a trusted dealer

3. Find your car.  

You can choose a used car from a dealer in the Manchester area or buy one from anywhere in the UK! All we ask is you use a dealership that is verified by the FCA for added peace of mind.

Who is eligible for car finance? 

Just like any other car finance company, we can’t guarantee everyone who applies will be able to get finance. Offering finance to anyone who can’t afford it or is unsuitable would be unethical. As a general rule, we ask you if can say yes to the following points, we can send you off to our lending panel. 

✅ I am over 18 years old.
✅ I have lived in the UK for 3+ years.
✅ I have a full UK driving license. 
✅ I am not currently bankrupt. 
✅ I can prove my affordability. 

“Sean at Refused Car Finance is amazing. I can not praise him highly enough. Within 24 hours he took my enquiry to full completion in a process that was so swift and very easy. He guided me through each process with customer service that’s second to none. I wouldn’t hesitate to recommend or use this company myself again…they are fantastic”
– Kelly from Stanford-Le-Hope (Via

Bad Credit Car Finance Manchester.

Experts in car finance with bad credit, we have what it takes to help you get the approval you’re after. If you’ve been searching for a bad credit car dealer in Manchester then we’ve got you covered. Our team can put you in touch with reputable FCA-approved car dealerships in and around Machester where you can use our finance packages.

As a reputable finance broker, you’re free to use our finance anywhere, that’s one of the amazing perks of using Refused Car Finance. If you need our help dealing with the dealer we can do that for you too. We’re here to make your whole car-buying process as simple as it can be.

100s of used cars in Manchester.

Manchester is the second-largest city in the UK which makes the chances of finding a great car better than ever. You can buy a car from any FCA-approved car dealership in Manchester or around the UK, so regardless of the brand you are looking for we can supply the finance for you.  

Why choose Refused Car Finance?

As a car finance broker based in the North, we’re well placed to help you. We have a lender panel full of car finance packages to suit a huge range of circumstances. Upon applying we only run a soft credit check so that there is no harm to your credit score. Once you have applied we will search the market for the most suitable and be in touch with your car finance approval!

💙 Bad credit specialists.
💙 No deposit needed. 
💙 Competitive APRs
💙 Affordable monthly payments. 
💙 5* rated reviews.
💙 Get the car you want. 

got the car finance deal they wanted

Get Manchester car finance today!

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