1. Apply Online

Fill out our quick application form on our website, it’ll only take a minute! Once completed a member of our Customer Contact team will be in touch to go over a few details with you.

2. Choose a car

Once you have been accepted by a lender you can pick a car from one of our recommended dealers or feel free to pick a vehicle from any independent FCA approved dealership in the UK.

3. Drive away

When you have provided all the necessary documents and signed the paperwork, you are ready to collect the keys and drive away in your new car!

Get Started

✓ No customer fees
✓ Quick and easy
✓ Instant decision
✓ 98.4% of customers are offered a car finance deal

How does Refused Car Finance work?

We are a car finance broker based in Newcastle upon Tyne specialising in bad credit car finance. Our goal is to provide car finance to those who have trouble getting car finance elsewhere.

With a current acceptance rate of 98.4% we are one of the top bad credit car finance brokers, choosing to look at affordability and income instead of credit history. We work with a panel of 15 lenders who have 61 tiers of finance between them so we can find the most suitable finance for your personal circumstances. Although no one can guarantee car finance, we come pretty close!

Once you have applied online for a no obligation quote, a dedicated customer contact agent will get in touch to go through a few details and help get the best finance deal for you. Once you’ve been approved by one of our lenders and you’ve accepted the offer, you can start the fun part of shopping for your new car!

At Refused Car Finance, we look after all the paperwork and the whole process on your behalf so you don’t have the hassle. The whole process from receiving your application, to getting you an approval can take just 24 hours meaning you could be driving your next car within the week!

Apply Online Now!

No deposit options available
Fixed payment plans
✓ We will call you back within 24 hours

Refused Car Finance Reviews

4.87 Average

209 Reviews


Went looking for car finance with no luck from anywhere. Eventually found refused car finance! They were great from start to finish. Sean helped me when we had a bit of a problem, reassured me and never stopped communication. Would highly recommend to anyone!

Melanie Strathie

My first dealings with this company , absolutely amazing guys to deal with , Sean and Ross both brilliant guys , told them my budget and found me exactly what I was looking for no pressure or hidden costs , thanks guys can't rate them enough , 10 stars if I could , oh and to Paul who was they guy I collected my car from AMAZING COMPANY 😀


Really pleased with the service I got from refused car finance. I got the car I wanted and a good finance deal. Would definitely recommend to others who are looking for bad credit car finance