Refused Car Finance
At Refused Car Finance, we believe that a poor credit score or a past financial stumble shouldn’t stop you from getting a safe, reliable vehicle. Founded in 2014 in Newcastle upon Tyne, we have grown into one of the UK’s most trusted bad credit car finance brokers.
Whether you have been turned down by mainstream banks, have County Court Judgments (CCJs), defaults, or irregular self-employed income, our goal is to help you secure an affordable monthly repayment plan that fits your current budget.
Everything You Need to Know About Car Finance
When learning about car finance, understanding how credit brokering works is essential. Automated credit scoring systems used by mainstream dealerships often reject applicants based on rigid algorithms.
At Refused Car Finance, we look at the bigger picture. We evaluate your current affordability rather than just past financial events.
Key Facts About Refused Car Finance
Feature |
Detail |
| Business Type | Credit Broker (Not a direct lender) |
| Established | December 2014 |
| Headquarters | Newcastle upon Tyne, North East England |
| Regulation | Authorised and Regulated by the Financial Conduct Authority (FCA) |
| Staff Qualifications | SAF (Specialist Automotive Finance) Certified Specialists |
| Credit Impact | Soft Search Only upon initial quote (No score impact) |
| Vehicle Eligibility | Any car, van, motorhome, or motorbike from an FCA-approved UK dealership |
Car Finance Options We Arrange
- Hire Purchase (HP Car Finance): Spread the entire vehicle cost into equal, fixed monthly instalments. You own the vehicle outright once the final payment is cleared.
- Personal Contract Purchase (PCP Car Finance): Keep monthly payments lower by funding the car’s depreciation during the agreement term. At the end, choose to pay the final balloon payment, exchange the vehicle, or return it.
- Bad Credit Car Finance: Specially designed agreements for drivers with low credit scores, past bankruptcies, IVAs, or missed payments.
- Self-Employed & Benefit Income Finance: Flexible criteria for drivers receiving non-standard income streams, such as self-employed dividends or government benefits.
Why Drivers Across the UK Trust Refused Car Finance
1. No Credit Score Impact to Check Eligibility
Checking if you qualify for car finance shouldn’t harm your credit profile. Our 30-second initial quote uses a soft credit check. A hard credit check is only performed if you choose to move forward with a lender deal.
2. Dedicated Human Support
We do not leave decisions entirely to algorithms. Every customer is assigned a dedicated finance specialist (such as our SAF-certified team members) to help navigate the options, answer questions, and arrange paperwork on your behalf.
3. Rebuild Your Credit Rating
Consistently making your fixed monthly car finance payments on time is reported to major credit reference agencies, helping you repair and rebuild your credit score over the term of your agreement.
How Our Car Finance Process Works
Apply Online
Complete our simple, zero-obligation online form in under a minute.
Personalised Review
Your dedicated specialist matches your application against our panel of UK lenders to find the best rate.
Pick Your Car
Once approved, choose a car within your approved budget from any FCA-regulated dealership in the UK.
Drive Away
We manage the paperwork directly with the dealer so you can drive away hassle-free, often within 24 – 48 hours.
Frequently Asked Questions About Us & About Car Finance
What is Refused Car Finance?
Refused Car Finance is an FCA-authorised UK car finance broker specialising in bad credit car finance, Hire Purchase, PCP, and speciality vehicle finance.
Does Refused Car Finance guarantee 100% approval?
No broker or lender can legally guarantee 100% approval, as all agreements are subject to status and affordability checks. However, we specialise in finding approvals for drivers who have been declined elsewhere.
How do I contact the Refused Car Finance team?
You can reach our customer support team based in Newcastle upon Tyne.