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Blonde mother straps child into booster seat in car
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.
Apply Now

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.

Refused Car Finance Reviews

4.86 Average

218 Reviews

Mark Mccarthy

Brilliant first class service could have not have asked for a better service staff was amazing and very quick to help me get a car within two days top class will tell anyone who wants to get a good deal on getting a car

Ashley Lightner

When others were saying sorry, Refused Car Finance did not give up. They found me an offer from a lender that Carfinance 24/7 said had refused me. Thanks to Refused Car Finance I now have my new car

Darren Maguire

Absolutely unbelievable customer service and help from start to finish Dan who sorted things out was very patient with me and got me the best deal possible and when we came to sign things over it felt like I was dealing with a friend

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 2020 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 – £4,500.00, Deposit – £0.00, Amount of credit – £4,500.00, Rate of interest – 8.61% per annum, Amount of interest – £1,548.90, Documentation Fee – £50, Option to Purchase Fee – £50.00, Total charge for credit – £1,648.90, First repayment – £176.02, Followed by 46 Monthly repayments of – £126.02, Final repayment – £176.02,  Total amount payable – £6.148.90, Representative APR – 17.55%

*First 3 months on 2021, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 17.55% 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

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