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 Leeds

If you are living in Leeds and are looking for car finance to buy a second-hand car, then you need Refused Car Finance. Whether you have been refused credit elsewhere, or you are worried a less than perfect credit rating may tarnish your chances of being approved, you will be pleasantly surprised to hear that we can still help. 98.4% of people who apply for car finance in Leeds receive an offer from one or more of our lenders.

Leeds Car Finance

Used Car Finance in Leeds

You can get finance for a huge range of makes and models of cars when applying for car credit through us. You are free to choose the car you want to finance. We help you get the finance to do it.

Depending on the lender you get matched with, there may be certain criteria put in place to secure your loan. Typically, however, you are free to choose a car from any FCA approved car dealer. If you would like to find out more about the car makes we finance, then you can visit out car finance page.

Car finance in Leeds

Who can get Car Finance in Leeds?

The following people have received a car finance offer from at least one of our lenders:

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In Part Time Employment

Zero Hours Contracts

In Receipt of Benefits

Young Drivers

Retired Divers

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Provisional License Holders

Carers Allowance

Disability Allowance

Ex Bankrupt

Bad Credit Ratings

No Credit History

Military / Armed Forces

Guaranteed Car Finance Leeds

Guaranteed car finance in Leeds is the same as guaranteed car finance elsewhere. In short, it doesn’t actually exist. No company can say with 100% certainty that you will be approved for car finance. Each car finance lender has their own criteria, more often than not it comes down to your affordability. If you have not provided this information then it’s impossible to know if you can afford a loan and therefore impossible to know whether you will be guaranteed to receive car finance. Our advice is to stay far away from any company who claims they can guarantee you any sort of finance. If you would like to find out more about guaranteed car finance please visit here.

So, if we can’t guarantee you car finance in Leeds, what can we do?

Firstly, 98.4% of people who apply for car finance in Leeds receive a car finance offer from at least one of our lenders. That is one of the highest approval rates by any car finance provider in the country. We’re pretty proud of that. Not only that, but if you are looking for bad credit car finance, or car finance on benefits, we have a specialist lending panel designed to help you. This means that rather than send your application to a huge number of lenders in the hope something sticks, we target the lenders who are most likely to accept you. This is so important as every time a lender takes a look at your credit report they could be leaving a mark behind. The more your credit report is looked at by lenders carrying out a hard search, the more it has a negative effect on your credit score. Therefore, by sending your application to just the lenders we think might approve you, we are preventing any unnecessary damage to your report.

We don’t just help those who struggle to obtain finance, with over 60 lending products by a large number of providers, we can help anyone find the most suitable lender for them.


Applying for Leeds Car Finance

Applying is free and quick. All you have to do is fill out our short application form by hitting the red apply button below. You will soon receive a phone call from a member of our customer contact team who will confirm your application details are all correct. From there, we will do the hard work of matching you with the best car finance lenders. Once we have an approval for you we will let you know. Once you have accepted one of the car finance offers you can then go car shopping. From applying to driving your car away can take less than a week!

Already have a car on finance and are looking for a better deal? Refused Car Finance also specialise in refinancing. Find out more about refinancing a car loan.

How do I get to Refused Car Finance from Leeds?

If you would like to get car finance in Leeds through Refused Car Finance you may be wondering where we are? Currently, our main office is located in Newcastle upon Tyne. If you want to come over and pay our team a little visit, (and maybe get some paperwork signed), then you can use the map the left for directions.

Travelling from Leeds to Refused Car Finance is easiest via car. However, the map also will show you times and directions by other modes of transports. That said, we don’t recommend the walking option. But that’s just us.

Get Leeds Car Finance Today

Join 98.4% of our applicants who receive a car finance offer.

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