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!

Used BMW Finance

 Used BMW Car Finance

Are you searching for used BMW finance?

Get used BMW finance today! We consider all credit ratings so if you have been declined elsewhere we can still help you. When it comes to second hand BMW finance, your chances of being approved have never looked so good. With Refused Car Finance you have a 98.4% chance of getting approved with one or more of our lenders. That is a 98.4% chance of driving away in your next BMW!

Applying for used BMW finance is simple; all you have to do is fill out our short application form. We will then be in touch with the lenders decision. Once you have chosen the loan which suits you best and have signed the paperwork, you are ready to get your BMW! From applying in our website to driving away can take less than a week! We work hard to make buying a used BMW as easy as possible for you.

Not looking for a BMW finance? Find out more about the other cars we finance, including the popular Audi and Ford cars.

BMW Bad Credit Finance

Benefit from using a company who is dedicated to getting you approved even with bad credit. If you apply through us you can take advantage of our specialist lending panel, selectively picked to help get you the best deal regardless of your credit score. We believe that you are much more than the number on your credit report. Whilst some companies will decline your application because they determine you have a poor credit rating, we will not.

At Refused Car Finance we believe it’s your affordability that is the most important factor when it comes to securing a loan for your BMW. If you can prove your affordability then we can help you obtain the best BMW finance. That is why we have been able to get customers into their new cars with bad credit scores, on benefits, or without a deposit. See if we can help you too!


Financing popular BMW Models

BMW 1 Series Finance

Used BMW 1 Series Finance

Secure your used BMW 1 Series finance today. We offer flexible credit options, including the option to pay weekly or monthly, as well as choose your own repayment term length.

The compact BMW 1 Series is the only car in its class with this sort of rear-wheel drive set-up, making the family hatchback handle closer to a sports car. Available in petrol or diesel, in three or five doors and with a wide range of engines, there is a 1 Series for everyone.

Browse Used BMW 1 Series Cars | Apply for used BMW Finance

BMW 3 Series Finance

Used BMW 3 Series Finance

Looking to obtain used BMW 3 Series finance? The 3 series is a modern and stylish car designed to suit both business executives and families alike. BMW’s high standards are perfectly demonstrated throughout, with desirable interior and a slick looking exterior. Also available in both petrol and diesel, manual and automatic along with a variety of body types including the saloon and convertible models, there is a 3 Series for everyone.

Getting finance for your BMW 3 Series has never been easier! Fill out the application form and we will be in touch with our lender’s decisions. Once you have agreed to your preferred BMW car loan you could be driving your new car away the same week.

Used BMW 3 Series Cars | Apply for used BMW Finance

Other Used BMW Models

The range of BMW models available are as vast as they are diverse, with over 40 different models of BMWs currently available to buy. The luxury German brand is well known for their precise steering and pleasurable driving experience. With good looks inside and out and a wide range of set-ups, there is a BMW to suit all tastes.

Who can get finance for a used BMW?

If you can answer ‘yes’ to the following questions, then we can offer you a car loan:

Circle Tick Icon Are you 18 or older?

Circle Tick Icon Have you lived in the UK for 3 or more years?

Circle Tick Icon Are you free from bankruptcy?

Circle Tick Icon Can you prove you can afford your repayments?


Did you say yes to all four? Then let’s get you that BMW!

Apply for BMW Finance Today

Apply for finance today and get behind the wheel of your next BMW in days.

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