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!


Refused Car Finance Blog

Keep up-to-date with the latest news from Refused Car Finance and motor industry trade news as well as the best car finance advice and driving tips. If you are looking for help on how to rebuild your credit score or advice on driving in the winter, then you will find your answer here.

The Best Automatic Cars

Automatic cars continue to grow more popular with 1 in 3 new cars being an automatic in the UK. Automatic gearbox technology has improved vastly since it first appeared in the market, with many manufacturers now offering seven and eight-speed gearbox as standard. Now...

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How to get the Best Car Finance Deal

Getting approved for car finance is usually the first hurdle you have to overcome. Thankfully, we’ve got that covered for you with our 98% approval rate that we’ve worked so hard to achieve!

After you’ve got an approval, the next thing you want to do is make sure you’re getting a good deal on your car finance. We’ve got some tips on how you can make sure you’re getting the best car finance deal possible

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The Best Cars for Dogs and Dog Owners

If you’re thinking of buying a Smart Car for your Newfoundland then you’re barking up the wrong tree! Let us help you find the perfect car for your pooch so you can both get around comfortably and safely! Read on for our top five best cars for dogs.

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Car Depreciation: What it is and how to avoid it

It’s a fact of life that cars will depreciate after you purchase them. 75% of cars are now bought on finance and with many of those deals running for three years, it’s inevitable that you will have to sell or trade your car in. This leaves many people facing depreciation and potential negative equity on car finance agreements. There are some ways that you can reduce your loss so read on for some tips on how to mitigate depreciation.

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The Best Selling Cars of 2017

Another year is done and dusted, so it’s time for us to take a look at the best selling cars of 2017. UK car sales dropped almost 6% in 2017 compared to the previous year and it’s the first decline in 6 years, with a particular decline in diesel car sales. This decline is being blamed on the announcement that petrol and diesel cars will be banned and the tax adjustment that was announced in November for diesel cars.

Despite a drop in the number of sales, we’re continuing to see some excellent cars on the market and there are some new releases that we’re expecting to see very soon.

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How Do Credit Scores Affect Car Finance?

Car finance is a straightforward and simple process. One of the most important steps and an unavoidable part of the process is getting credit searched. Lenders want to know how likely you are to repay your car loan, so your chances of being approved will depend on what your credit report looks like.

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Best New Cars 2018

There are some new cars due to be released in 2018 that we’re really excited about and want to share with you today! Read on to find out which models we’re looking forward to welcoming and have a sneak peek at some of the best new models.

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How to demist your car windows quickly and effectively

Winter isn’t for everyone and we can see why; it’s cold, its dark for most of the day and you have to get out of bed that little bit earlier to prepare your car before driving away. Foggy windows are a common occurrence in winter due to temperatures plummeting outside. Read on for our tips on how to demist your car windows quickly and effectively!

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UK driving laws you probably don’t know you’re breaking

There are some driving laws in the UK that we all know: don’t drink and drive, don’t run red lights and don’t speed! However, there are some laws that we see broken every day, many of which we’re also guilty of doing. You could end up with a fine or points on your licence, so here’s a gentle reminder for you…

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How to drive safely in snow and ice this winter

Temperatures have plummeted in the UK recently, with lots of rain, a bit of snow, ice and of course that bitterly cold wind! Winter can be a challenging time for many drivers, even the most experienced ones! If you’re a new driver or you simply want a quick refresh on winter driving, we’ve got some tips on how you can drive safely this winter.

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The Best Cars for Winter Driving 2017

As the UK is heading towards another cold winter, finding a car that can cope in icy conditions can be quite necessary – especially here up North! Getting a car that handles icy conditions can also give you more confidence as a driver on the roads in extreme weather conditions and there’s an abundance of features available on the market to get you around safely this winter. Find out our top ten picks for winter cars.

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The Best Cars for New Drivers

Buying and running a car is expensive for anyone, but for new drivers the cost can be staggering. Finding ways to keep the cost of having a car down becomes a priority, especially for younger drivers. We’ve got some tips on what you need to think about when...

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The Worst-Selling Cars of 2016

We regularly cover the best-selling cars in the UK on our blog, but what about the cars that didn’t quite hit the spot for us? We present to you five of the worst selling cars in the UK in 2016!

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Can I get car finance with no credit history?

If you’ve never taken anything out on finance before and you don’t have any debts then it can be very frustrating if you are struggling to get approved for car finance. You might be left wondering why you aren’t getting accepted – we’re here to explain why and what you can do to make sure you get approved! 

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Most Stolen Cars in the UK

Car theft is on the rise in the UK, but which are the most stolen cars in the UK? Find out the top ten on the Refused Car Finance blog!

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What documents do I need for my car finance application?

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. Follow our handy guide to what documents you need when you apply for car finance.

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The Best Convertible Cars: Our Top Picks

Despite the weather in the UK, us Brits have had a long love affair with convertible car. British drivers are more likely to drive convertibles than our fellow Europeans, despite many cities in Europe having more days of sunshine per year. It’s easy to see why we love them though; there isn’t anything quite like the experience of open top driving with the wind in your hair, the sun on your face (if its out!) and the thrill of driving a fast sporty car. With that in mind, what are some of the best convertible cars out there? We give you our top ten picks.

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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

4.90 Average

151 Reviews

I could not have been more happy with the service I received from Paige Walker. Not only was she extremely efficient, helpful and successful in sorting out my car finance; she was also absolutely charming, she has a very kind manner and was positive and helpful throughout the process. I really could not have hoped to have dealt with somebody as good as Paige. She is in my view a huge asset to your company, she made everything so easy and got me a great result. A very big thank you to Paige - and to your company.

refused car finance put me at ease from the very first phone call. After being turned down by numerous other companies, I didn’t have much hope but after speaking to Jacob about my credit file or lack of, he assured me it wasn’t nearly as bad as I thought it was. Got finance sorted in less than two days with literally half the interest I was quoted after being messed around for weeks by other companies. Jacob is a real asset to RCF, he kept me up to date every step of the way and was so easy to speak to! I Could not recommend RCF enough!!

The guy (dan) was amazing really helpful got everything sorted for me super fast explaining everything what a guy he really knows his stuff can’t thank you enough thanks