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!

What documents do I need for my car finance application?

Posted on 23/08/2017

When you apply for a new or used car on finance you will need to provide some documents and identification to support your application. As a responsible broker and lender, our job is to ensure you get the best rate of finance possible and at a rate you can afford. We don’t want anyone to take out a car loan that they may struggle to repay and get into more financial difficulty, so us and our lenders want to see that you can afford a loan.

Whilst you might not need everything we have listed below, it is best to be prepared and gather everything you might need before applying. This will help speed up your application and get you into a car quicker!

Car keys and wallet on table

Personal Details

To get started with your application we will need some basic details from you. Our online application form will ask you for the following details: name, date of birth, employment status, your current living situation, contact details, your house name/number and postcode. We also need to know if you’re currently insolvent (bankrupt) as if you are currently we unfortunately won’t be able to help you get car finance.


After you have filled out our super quick application form you will get a call back from a member of our friendly team of car finance experts. They’ll want to take a few more details from you, such as your employment details, your address history and what kind of car you are interested in.

Now is where your proofs will need to be supplied. As a responsible lending broker, we must make sure that you can prove who you are, who your employer is and what income you have.

Proof of identity

One of the most important things you will need to provide us is your driving licence. If you don’t have a licence at all it is likely you will be declined, as lenders will assume that you’re taking the finance out for someone else. Whilst this isn’t exactly illegal, lenders don’t like it and generally will not allow it to happen.

If you’ve lost your driving licence or you’ve sent it off to the DVLA for some reason, the lender may ask for your permission to contact the DVLA directly for a DVLA mandate check.

In some situations lenders will accept a passport as your proof of identity but it will depend on which lender you are matched with.

Proof of address

Most finance companies will ask for two proofs of address such as a utility bill (for example a gas/electric bill or a council tax bill). It must be dated within the last 3 months and your name should appear on it – if other names appear on it (such as your partner) that’s no problem!

Proof of income

After you’ve given us details of your employer and income over the phone, the next thing that lenders will want to see is you can prove your income.  This can be with either bank statements or payslips and most lenders will want to see 2-3 months’ worth for someone who is employed. If you are self-employed you will need to provide at least 3 months of bank statements.

If you’ve got all of the required documents gathered together then you’re ready to apply for car finance!

Ready to apply?

As long as you’re:

✓ Over the age of 18

✓ Free from bankruptcy

✓ Have lived in the UK for at least 3 years

✓ Hold a full valid UK driving licence

then send us an application!

We accept bad credit, poor credit, no credit history, part-time/agency workers, benefit only incomes, refused finance previously and many more. 

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

145 Reviews

Was so fast and easy Jacob was even doing out of work search’s for me , he done more than his job he helped me find my car I wanted and pushed through for me to get it as soon as possible .

Refused Car Finance where awesome they kept me informed every step of the application they where so professional in every aspect. I highly recommend them to anyone with poor credit history and for people who are long term benefits.

Paige was very professional and very helpful. Highly recommend