Sunderland car finance just got easier! 

Are you looking for car finance in Sunderland? Refused Car Finance are your closest bet to getting the finance approval you desperately need! Our bespoke lending panel has been designed to try to help as many people as possible get a car on finance!

We’re a different kind of car finance broker and we work harder than anyone else to get you approved! Whether you are looking for car finance on benefits, with bad credit or without a deposit, we specialise in finding the right lender for your situation. Find out more about Sunderland Car Finance below. 

woman got the car finance deal she wanted

How do cars on finance in Sunderland work? 

We work across the UK to help drivers get the best car finance deals around. Whether you’re living in Sunderland or Scunthorpe, our finance process is the same and you can choose your car from a local dealership. As a car finance broker, we don’t lend any money out and instead can help introduce you to a lender who wants to offer you finance. Once you’re happy with the finance side of things, we help you get a car within your budget from a trusted UK dealership. 

mobile phone application online

1. Apply online.

choosing the right finance

2. Get a decision.

man getting an electric car

3. Choose your car.

Can I get guaranteed Car Finance?

At Refused Car Finance we feel very strongly about giving you the facts on guaranteed car finance. To put it bluntly, there is no such thing as guaranteed car finance in Sunderland or anywhere else in the UK. Any company that claims to be able to offer you this is deliberately misleading you. So why can a company not guarantee you car finance? First off, you must be 18 years old to take out any sort of credit agreement within the UK. That alone is already a condition which means a company can’t guarantee everyone visiting their site a car loan. In addition to this, especially with the competition in the North East and Sunderland, more companies are misleading customers with this statement. Here at Refused Car Finance, we believe that the people of Sunderland deserve to know that if this is the offer given to them, it is highly conditional and far from guaranteed.

Additionally, it would be irresponsible to lend to everyone who asks for money. It’s not only bad for the lenders but would be a disaster for the borrower. It’s incredibly important that your affordability is at the heart of your credit agreement. When you take out car credit, we make sure you get a credit agreement that suits your budget and allows you to meet your repayments stress-free. We offer some of the best deals for cars on finance in Sunderland.

Will I be approved?

As mentioned above, we can’t guarantee finance to everyone but as a general guide, we ask that you say yes to the following:

✅ I am 18+ years old.
✅ I am free from bankruptcy.
✅ I have a full UK driving license.
✅ I have lived in the UK for at least three years.
✅ I have provable income.

If yes, we can send your application off to our lending panel and see if anyone would like to offer you finance. Once you’ve applied, one of our finance experts will be in touch with a finance decision for you.

Getting cars on finance in Sunderland.

There are a range of used cars available on finance in Sunderland right now. We have partnered with some of the best car dealers in Sunderland and the North East of England to give you peace of mind when shopping around for your next car. However, you are not limited to our recommended dealers, you are free to use any FCA-approved car dealership in Sunderland or the rest of the country.

Knowing Sunderland and the North East as we do, we are aware that people need a practical car for their family as well as something suitable for their commute, but without compromising comfort or performance.

Not looking for car finance in Sunderland? We also provide car finance in Newcastle, Durham, Middlesbrough, Northumberland as well as across the whole of the UK. 

Why choose us?

✓ #1 for car finance in Sunderland.
✓ No deposit is needed.
✓ A leading bad credit car finance broker.
✓ Quick and easy online application form.
✓ Receive an instant decision.
✓ Among the highest approval rates for customers in the UK.

Used Cars on Finance in Sunderland.

Whether you are looking for a car to commute to work, take the kids to school or just to drive into Sunderland town, we can finance you for the perfect car. Knowing Sunderland and the North East as we do, we are aware that people need a practical car for their family as well as something suitable for their commute, but without compromising comfort or performance. Through our innovative process, you can choose any used car from any UK dealership, giving you access to 100s of cars! All we ask is you use a dealership that is verified by the FCA for extra peace of mind. 


“Richard Saints @ refused car finance has been fantastic from start to finish. I had no idea it could go so smoothly after struggling with other companies. I’ve had a great experience with them and would highly recommend them to anyone I speak to who’s looking for a car and will put it on my socials. Thanks again, I can’t wait to get the car I’ve wanted next week and also at a price that suits my budget perfectly 😊” – Kari from Glasgow 



Get a free finance quote.

Start your Sunderland Car Finance journey today and make an application with no harm to your credit score! One of our fantastic team will then be in touch with a decision for you.