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

4.90 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