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!

Dealer Partners

Become a partner!

Already a partner?

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.

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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.

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.

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

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

4.92 Average

125 Reviews

Firstly the finance application was so easy to complete online. A lovely guy called Dan dealt with my application and found me an absolutely brilliant deal pretty much straight away. We visited to discuss our car options and finance agreement. Ross dealt with us and asked about the kind of car we were looking for.....30 minutes later my husband's perfect car was found! An hour later agreements were signed online and the car was ours. We also got a brill price for our old car. 100% recommend and will definitely be coming back for our next car!!

Daniel was very helpful and as eager as myself to help get me a car! Great service & non-stop communication! Overall time it took was around 5 days to get me on the road! Highly recommend to anyone who is skeptical of getting a car, Daniel was cracking with every query I had!

Great job getting me the exact car I wanted, thanks!!!