Car finance in Scotland.

Looking for a car loan and are based in Scotland? You’ve found what you’re looking for! Even if you have been refused car finance elsewhere then we might be able to help you!

We have previously accepted applicants who have no credit history, poor credit history, are unemployed, self-employed, ex bankrupt or have defaults and arrears. We won’t judge you on your credit score so give us a try today!


How does the process work?

No matter where you live in the UK, the finance process is the same. It all starts with an application and once we have your details, one of our team will be in touch with a decision for you. If approved by one of our fantastic lenders, you can then choose the car you want from any participating car dealership in the UK! 

man signing a car finance agreement

1. Finance first.

Once you’ve applied, we’ll get straight to work finding you the best finance deal from our lending panel. If one or more of our lenders wish to offer you finance, we’ll help you get the lowest rate. 

choose a car from a dealership in the UK

2. Choose your car.

Once you’ve been approved, you can use your finance deal at ANY dealership in the UK. Get the car you want within your finance budget from a dealer who is verified by the FCA. 

woman happy with car purchase

3. Drive away happy.

With the perfect finance deal in your pocket and the car you want within your budget, all that’s left to do is drive away! 

Will I be approved? 

We can’t guarantee car finance to any customer without getting to know a little about them first. But, don’t let that put you off. Applying with us is free to do and won’t affect your credit score. Once you’ve applied, we’ll be in touch with a finance decision for you. We’ve helped a whole range of customers get finance in the past, from bad credit applicants to those on benefit income, we have lenders for all types of customers! 

Why choose Refused Car Finance? 

reasons to love rcf

💙 No deposit needed.
💙 100s of cars to choose from.
💙 Trusted UK lenders.
💙 Bad credit specialists.
💙 Finance deals for your budget. 
💙 Quick decisions.
💙 5* rated reviews. 


“From the first call, with Sean, I knew I was dealing with a professional company. We communicated, daily, multiple times, which I was very impressed with. Sean went out of his way to arrange everything and the whole process was easy. Even after agreeing to one offer, he found a lower interest rate for me. The most stressful part was searching for the car I wanted. Once I’d chosen, the garage received the money I’d requested in 2 days. Fantastic service, and 100% recommended.Thanks, Sean, for all your help and advice. Topman.”

– Stephen from Great Yarmouth (


Who can get Scotland car finance? 

Before you apply with us, we ask you to meet our below criteria: 

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

Find out more about our car finance eligibility and how it works

woman happy with car finance approval

Star your car finance journey.

Make a FREE, no obligation application today with no harm to your current credit score!