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 Greater 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 new vehicle. You can spread the cost of your new car over manageable monthly repayments and we offer no deposit options.

Bad Credit Car Finance in Manchester

With a 98.7% approval rate in Greater Manchester, you won’t find a better chance of getting your car loan anywhere else. We specialise in bad credit car finance and approve applications that have been declined elsewhere. We have accepted applications from people in Manchester with the following credentials:

  • No Credit History
  • Poor Credit History
  • Unemployed
  • Self Employed
  • CCJs
  • Defaults & Arrears
  • Carers Allowance
  • Joint Applications
  • Part Time Workers


Car Finance in Manchester


Approved Applicants

Apply online now with our quick and easy application form.

Number of applications, October 2016

Get a New or Used Car 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. You can get an idea of the cars our customers are currently getting car finance for in our cars section.

Lakeside House

30 Northumbrian Way,

Newcastle Upon Tyne,

NE12 6EH

Please use the map for directions.

The map shows directions via car from Manchester City Centre.

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

131 Reviews

Brilliant, I was introduced to Paige at UK Car Finance/Refused Car Finance and the whole process with them was very simple, straight forward and no hassle. I was kept up-to date with the whole process and was in regular contact via phone/email and sms(iMessage) so felt that I was being well looked after.

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.