Affordable monthly payments

Deals with competitive APR & Interest rates

Huge car choice

Choose from any reputable FCA Approved dealer

Reviews

Rated excellent by our Customers

Decision in minutes

From a huge range of trustworthy lenders

Become a partner!

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Already a partner?

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Reasons to join our dealer network:

✓ Access to thousands of fully approved car buyers

✓ Free advertising and promotion of your cars on our website

✓ 98.4% of customers are offered a car finance deal

✓ Fast underwriting and payouts process

✓ A dedicated contact to look after you and your customers

Get access to thousands of fully approved customers!

Speak to our dealer desk by hitting the button below or call us on 0191 718 0000.
Contact our Dealer Desk

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Fully approved customers ready to buy!

We have thousands of fully approved customers across the country looking to buy a new or used car in their local area. We make it easy by arranging all the finance first, before sending the fully approved customers to dealers like yours to choose an ideal car within their budgets.

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Fed up of applications being declined? Send them to us!

98.4% of our customers are offered a car finance deal from one of our specialist lenders, which means you can save your sale and still sell them their ideal car from your dealership.

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Car Dealers

Every unsuccessful finance application is a lost sale and every lost sale ultimately means a loss in profit. At Refused Car Finance we work with our dealer partners to keep your own car sale for you so you can keep your profits maximised. How do we do this? We partner with a wide panel of specialist lenders to accommodate a variety of credit types. Our speciality is securing acceptances for customers that other brokers fail to approve – as well as getting great rates for out of criteria applications.

Benefit only applicants, armed forces, customers who are self employed, taxi drivers and even customers with defaults/CCJ’s/arrears are no problem for us!

You can be sure that no matter what your customers circumstances are there IS a solution for them.

Frequently Asked Questions:

Who can you offer finance to?
Applicant’s currently being declined by your own lending panel due to:

 

• Benefit Only Income
• Taxi Drivers
• Armed Forces
• Defaults/CCJ’s/Arrears
• Agency Workers
• Ex-Bankrupts
• Non-UK Driving Licence

and many more..

Does it cost me to use RCF?
There is no cost to your dealership to partner with Refused Car Finance.
Can you help deep sub-prime customers?
Refused Car Finance have a current acceptance rate of 98.4% for all application received.
Can you guarantee car finance for every customer?
In today’s regulated finance world it is impossible to guarantee finance for every single applicant, however, with a current acceptance rate of 98.4% Refused Car Finance are ideally placed to help maximise your profit opportunities.
Refused Car Finance are acting as a broker and a lender and are fully approved by the FCA. We have an experienced and professional back office process that allows us to have fast turnaround times for payouts and get your customers accepted in your cars.

Our turnaround time on decisions is second-to-none for partner dealerships.

✓ Car Finance approvals available for up to 120% Glasses Guide / CAP retail value.

✓ Quick decisions for our Dealer-partner applications.

✓ Fast turnaround time for payouts.

✓ Negative Equity plans.

Send your unsuccessful finance applications to us to get an approval.

I confirm that I have obtained permission from the applicant to submit their application to Refused Car Finance.

Submit Application Now

Have a question? Contact our dealer desk for more information.

Contact Dealer Desk
Refused Car Finance Reviews

4.86 Average

196 Reviews

I couldn't thank this team enough in helping me get back on the road. From start to finish I was completely kept in the loop excellent customer service from Sean, Ross & Dan. I never felt forced into anything the process was so fast and easy even Paul who delivered my car you where fab thanks so much guys 👌🥳

Bobbi.

I couldn't thank this team enough in helping me get back on the road. From start to finish I was completely kept in the loop excellent customer service from Sean, Ross & Dan. I never felt forced into anything the process was so fast and easy even Paul who delivered my car you where fab thanks so much guys 👌🥳

Irene Groom

Fantastic service would definitely recommend to my family & friends . So good explaining and very friendly thank you so much

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 – 9.43% per annum, Amount of interest – £1697.40, Documentation Fee – £50, Option to Purchase Fee – £50.00, Total charge for credit – £1797.40, First repayment – £179.11, Followed by 46 Monthly repayments of – £129.11, Final repayment – £179.11,  Total amount payable – £6,297.40, Representative APR – 19.10%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 19.10% 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