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!

No Credit Car Loans

Getting finance with no credit history can be frustrating. Many people have not established a borrowing history, whether that is because you haven’t taken out credit cards, never applied for a mortgage or simply always pay in cash. However, when it comes to applying for a car loan, you may find having no credit history works against you. That is where we can help!

Getting finance with no credit history can be frustrating. Many people have not established a borrowing history, whether that is because you haven’t taken out credit cards, never applied for a mortgage or simply always pay in cash. However, when it comes to applying for a car loan, you may find having no credit history works against you. That is where we can help!

Blonde girl getting no credit car finance

We understand there are many reasons why you may not have a borrowing history and that this alone doesn’t reflect your ability to be able to pay back a car loan. By working with a select panel of specialist lenders so that we can get you a car loan with no credit. We won’t waste anyone’s time by sending your application to lenders who decline finance applications from those with no credit history. Instead we will work with a selective group of lenders that you have the best chance of being approved with. We pride ourselves on being so good at this that over 98% of people applying for car finance through us get an approval.

No Credit Car Loans

Apply for your car loan today!

Regardless of whether you have little to no credit history, we can help you get great car finance deal with surprisingly low rates.

  • % of car finance applications approved 98%
  • Customer Satisfaction Rating 93%

How do I know if I have a credit history?

You can check your personal credit report for free, there are a range of websites out there that will help you do this but we recommend using Noddle, Experian or ClearScore. You do not need to pay to see your own credit history and you should leave any site that asks you for your bank details.

The majority of people have some sort of credit history; this will all be recorded on your credit report and is the view most lenders have when checking your credit file. If you do however find that there is no credit history on your report at all, there are many ways in which you can go about building one. We have written an in depth post on how to build your credit score that is a great starting point.

Improve Credit Score

No Credit Car Loans

With Refused Car Finance we have all the infrastructure in place to make no credit auto loans an easy and painless experience. All you have to do is fill out our short application form and we will match you up with one of our specialist lenders. We will get you the best deal possible for your circumstance, even with no credit history.

We specialise in helping you finance your next car whether you have no or bad credit. When you choose to get car finance with Refused Car Finance you can expect nothing but the best service. We work hard to get you the ‘yes’ from the most suitable lender for you, so you can concentrate on finding your next car.

Happy Customers with no credit car finance

Buying a car with no credit history

So you have your car loan all approved. Now is the fun part – car shopping! When you get your car finance with us you are free to buy your next car from any FCA approved car garage in the UK. So whether you’ve seen a nice convertible in Chester or a stylish saloon in Surrey, you can use your car loan to buy it.

Buying a car with no credit is no different than buying a car with credit. It’s usually obtaining the finance that is the difficult part, as discussed above loans for people with no credit are often declined. However, once you have your car finance you can buy a car from any FCA car dealer. Take a look at some of the cars currently in stock from our recommended FCA approved car dealers.

So I can get car finance with no credit – then what do I need?

There is of course some criteria you must meet in order for us to secure car finance for you! If you match the following five points then we can offer you car credit!

square tick icon You must be 18 or older
square tick icon You need to be free from bankruptcy
square tick icon You will need to have lived in the UK for at least 3 years
square tick icon You need to be able to prove your affordability
square tick icon You should hold a full UK driving license

No Credit? No Problem!

Tick Icon No customer fees to pay

Tick Icon Receive an instant decision

Tick Icon No card details are required

Don’t just take our word for it though, see what our happy customers had to say.


Absolutely fantastic service. Dan was with me from start to finish and was a text or phone call away. I have almost no credit history, I was struggling to find reasonable finance deals. Dan discussed all the different options available and his knowledge was impeccable. I have now swapped an old dying Astra for a 3 year old Qashqai.
Dan went above and beyond to ensure the car was suitable and value for money.
I wouldn’t even consider going elsewhere in future.
Thank you so much Dan and Refused Car Finance.

Review from reviews.co.uk

Daniel Quine


I’ve never previously had car finance (or anything on finance) so was unsure if I would be eligible. Staff made it easy and got me a great deal on the car I wanted so pleased with my Audi.

Reviewed on Smart Money People

Lee campbell

Read more of our reviews here.

Apply for a no credit car loan today!

Tick Icon Fixed weekly or monthly payments

Tick IconFlexible repayment term

Tick IconBest chance of approval, 98.4%

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

146 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