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.

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.

read more

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.

read more

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...

read more

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!

read more

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! 

read more

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!

read more

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.

read more

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.

read more

The Best Electric Cars You Can Buy Now

Following on from the news that the sale of petrol and diesel cars will be banned from 2040, we wanted to find out what the best electric models are out there for you to buy right now. Whilst electric cars are still expensive to purchase, the low running costs will eventually outweigh a standard petrol or diesel car. Travelling 100 miles in an electric car will cost you anywhere between £3-4 depending on energy tariffs, compared to £15 in a petrol car.

read more

The Best Selling Cars of 2017… so far!

A total of 1,401,811 new cars were registered in the first half of 2017, so lets find out what cars people have been buying in the first half of 2017! Did Ford hold onto their top spot? Read on to find out!

read more

How to end your car finance agreement

If your circumstances change after you take out car finance you may be left worried about keeping up with your repayments and wondering what you can do. Ending your car finance agreement could be the best option for you to prevent you from missing payments which can have a negative impact on your credit score.

Read on to find out about the different types of car finance and how to end your agreement with the finance company.

read more

Buying a used car: A complete checklist to buying second hand

Despite rising numbers of new cars being bought, there were over 8 million used cars sold in the UK last year. Buying a second hand car, whether you’re buying privately or from a dealership, does have many advantages over buying a brand new car. Use this guide when you go to see and test drive the car you are interested in buying. It’ll help you avoid some of the most common pitfalls of buying a used car!

read more

Zoe’s Story

Here at Refused Car Finance we wanted to do something a little bit different and share with you a customer’s experience of working with us to get the best car finance deal possible!

Zoe from Newcastle upon Tyne was in the market for a new car and did a quick search on Google for car finance and read some of our previous customer’s reviews. Concerned that she might struggle to get car finance due to having “not the best” credit rating, she took a punt and applied through Refused Car Finance.

read more

DVLA scam email: what to look out for

It’s recently emerged from BBC Watchdog that a group of fraudsters are sending phishing emails, posing as the DVLA and asking motorists to fill in their personal details online. We’ve got some tips on what to look out for.

read more

A Guide to Car Servicing and MOT

Having a car is one of life’s greatest pleasures, except of course when you have to service it and put it through its annual MOT. We’ve got some tips, tricks and recommendations on the best places in the North East to get your car put through its yearly check up!

read more

Black Box Insurance: Pros and Cons

Black box insurance policies are becoming increasingly popular due to the rising cost of car insurance, with many drivers opting for this type of car insurance to reduce their premiums. Find out more about black box insurance and whether it’s the best option for you.

read more

The Best Car Shows in the North East 2017

Are you a motor enthusiast or do you just love a good day out? This summer the North East has got some of the biggest and best car shows happening – we’ve picked five that we think you’ll love!

read 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

110 Reviews

Very friendly team , they have sorted everything thing out for me , everything was so easy to do on line . 10/10 from me very happy customer 👍👍

These people at this company most certainly now how to help when u need helping and get the job done talk about going the extra mile omg they went the extra 100 miles for me found the car i wanted with the spek i asked for would i recomend this company and these peoe let me just say u would be a fool to go to anywere else this firm is miles ahead of the nearist competitor simply miles. Thanks guys from me chris R manchester

They were a very big help finding us car finance would highly recommend to anybody