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 Lowlands Scotland

Are you looking for car finance in Scotland? We are dedicated to getting the people of Scotland car finance regardless of your credit history or if you have been refused elsewhere.

We have accepted over 98% of car applications within the Scottish lowlands and accept applications regardless of your credit history or employment statement.

You can choose a car from any car dealership within Scotland or the UK.

Get your wheels into motion and apply for car finance today!

car finance in Scotland
Edinburgh city in winter from Calton hill, Scotland, UK


Tick Icon 98.4% Acceptance Rate

Tick Icon Instant Pre-Approved Decision

Tick Icon Call back within 24 hours

Tick Icon Drive away your new car within a week



Approval Rate in Scotland

Total Applications of Scotland last month

The lowlands of Scotland includes some of Scotland’s major cities such as Glasgow, Stirling, Dundee and the Scottish capital Edinburgh and houses over half of Scotland’s overall population. The lowlands of Scotland also have some of the best driving roads sweeping through it and showcase some of the most beautiful scenery in the United Kingdom.


  1. Apply Online
  2. Choose a Car
  3. Drive Away

Learn more about how car finance works.

Did you know?

The lowlands of Scotland has what is thought to be the most haunted road in the UK. The A75 links Stranraer to Gretna, but it’s the 15 mile stretch between Annan and Dumfries, known as the Kinmoount Straight, which is thought to be haunted. Reports date back to 1957 and include sightings of phantom people, a screaming old women, and elderly lady in Victorian clothing, and the creepiest of them all an eyeless screaming old man.  We must admit however, we are yet to see our ghostly friends on our trip.

The map to the left shows directions via car from Edinburgh city centre, please click the ‘more options’ link on the map to specify your exact location for more accurate directions.

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