23.9% Representative APR*   

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A Personal Loan is another way to buy a car. You can take out a personal loan by borrowing money from a bank, building society or other lender. A personal loan is more often referred to as a car loan or motor loan, but it is not secured against the vehicle in any way. This is a great option for low interest rates and if you want to own the vehicle straight away, but you generally need a good credit score to borrow money from a bank or building society.

Personal Loan At a glance:

✓ No vehicle, mileage or age criteria 

✓  Money paid into your bank account within 24 hours

✓ Generally cheaper interest rates – we can offer as low as 9.9% APR 

✓ May require a guarantor for higher risk customers

✓ Not secured against your car

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Approval Rate

We have a quick and free application form online. A member of our team will contact you back within 24 hours to discuss your application for a personal car loan in more detail.
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Personal loans can be used for more than just buying a vehicle. Through Refused Car Finance you can lend up to £10,000 to spend on whatever you wish. Most personal loans are paid out within 48 hours, so you don’t have to wait long.

Bad Credit Personal Loans

If you have poor or bad credit and wish to take out a personal loan then we can help you. We specialize in finance for people with bad credit and have a dedicated team to find you the right lender. A guarantor loan can be a brilliant option if you are looking for bad credit loans, giving you a safety net should you worry about making your repayments.

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 – £5,500.00, Deposit – £0.00, Amount of credit – £5,500.00, Rate of interest – 11.65% per annum, Amount of interest – £2562.56, Lender Credit Facility fee – £167.97, Lenders Completion fee – £160.00, Total charge for credit – £2,890.53, First repayment – £167.97, Followed by 48 Monthly repayments of – £167.97, Final repayment – £160.00, Total amount payable – £8,390.53, Representative APR – 23.9%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 23.9% 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

4.88 Average

186 Reviews

Brilliant people to deal with and quick turnaround. I applied on the Monday had my dream car by Friday as quick as that. Went up by train to collect the car they met me outside the train station as soon as I got there. Car was as mint if not better than on pics. I asked for something specific and they got me exactly what they wanted for my budget. Trust in these people and they will help you out.

I have to say, it's been an amazing experience with dealing with Refused Car Finance. The whole team has done so well through the whole process and even gone the extra mile to address things for me that weren't necessary. Thank you to Jacob, Isaac & Richard and everyone else for all your hard work.

Amazing service from Dan and Ross. Nothing was a problem. Brilliant customer service