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

4.88 Average

186 Reviews

Brilliant people to deal with and quick turnaround. I applied on the Monday had my dream car by Friday as quick as that. Went up by train to collect the car they met me outside the train station as soon as I got there. Car was as mint if not better than on pics. I asked for something specific and they got me exactly what they wanted for my budget. Trust in these people and they will help you out.

I have to say, it's been an amazing experience with dealing with Refused Car Finance. The whole team has done so well through the whole process and even gone the extra mile to address things for me that weren't necessary. Thank you to Jacob, Isaac & Richard and everyone else for all your hard work.

Amazing service from Dan and Ross. Nothing was a problem. Brilliant customer service