Are you looking for used Smart car finance? Do you have bad credit? Are you unable to put down a deposit? Have you been refused car finance with other brokers in the past? If the answer to any or all of these questions is ‘yes’, don’t worry; you can get bad credit Smart car finance through Refused Car Finance!

As far as car finance goes, we think that what matters the most is your affordability – that you can afford to make the monthly repayments on your Smart car. That’s why we have been able to offer more than 98% of applicants on this website at least one package from our lenders. Even if you have a bad credit score or you’ve been declined by other finance companies, we can still help! How can we do this? It’s quite simple; we work harder than any other company to get you approved.

Get a used Smart Car on finance today and don’t pay anything at all for up to six weeks

Used Smart Car Finance

Who is allowed to get used Smart Car finance?


  • Are you at least 18 years old?
  • Do you have a full UK driving licence?
  • Have you lived in the UK for at least 3 years?
  • Are you free from bankruptcy?
  • Can you prove affordability?

If you can answer ‘yes’ to all of the above questions, then you can get finance with us. Even if you are unemployed or have a bad credit score, we can approve finance for you.

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Why get bad credit Smart Car finance with Refused Car Finance?

It’s never been easier to get approved for car finance! More than 98% of customers who apply through our website have been approved by one or more of the lenders on our panel. We are incredibly proud of this because it is one of the highest approval ratings of any car finance broker in the whole of the UK.

Since we specialise in bad credit car finance, we can get you a surprisingly good rate on a used Smart car. We work harder than anyone else to match you with the perfect lender so that you get a great car and benefit from superb rates and a repayment plan that suits your needs.

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Used Smart Car Finance Deals

Apply for credit with Refused Car Finance and take advantage of the best finance deals. Take full control of your finance plan by choosing the repayment term length, whether to pay weekly or monthly and the option to put down zero deposit. You can use your finance deal to buy any used Smart car from any FCA approved car dealer in the UK.

thumbs up icon Pay no deposit
thumbs up icon Schedule to pay weekly or monthly
thumbs up icon Flexible repayment term length
thumbs up icon No Customer Fees

Smart Car Models on Finance

Used Smart Fortwo Finance

Used Smart Fortwo Finance

The Fortwo, as its name implies, is a two passenger car by Smart. It’s a small and compact car that’s perfect for city driving – no other car is as easy to park. It’s currently on its third generation, meaning there are plenty of versions for you to find on the used market. If you live in an urban environment, used Smart Fortwo finance might be just what you need. 

Used Smart Forfour Finance

Used Smart Forfour Finance

The Smart Forfour is a small hatchback and, like the Fortwo, its name comes from the number of passengers it can carry. If you need something similar to the Fortwo, the Forfour is a bit more practical, offering the extra space and sturdiness of a larger hatchback and it’s still small enough to offer the same parking advantages. The Smart Forfour a superb city car and makes an ideal choice for young drivers looking for finance.

Are you looking for a different car make?

No problem! We offer car finance on a wide range of car makes and models. Browse some of the most popular below:

Apply for used Smart Car finance

✓ No Customer Fees

✓ Receive an Instant Decision

✓ 30 Second Application Form

Refused Car Finance Reviews

4.87 Average

236 Reviews

Alex S

Fantastic service! Dan was really helpful and found me the exact car I wanted! The whole process was really simple and fast. I would definitely recommend them, 100%!

Rosie Henderson-Gaines

Great service!


Isaac was fabulous right from the initial enquiry until the completion. Kept in touch every step of the way and nothing was too much trouble

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