Are you looking for no deposit car finance? You’ve come to the right place. Our used car finance packages are all available with 0 deposit, so don’t let not having a lump sum put you off.

What is no deposit car finance?

It is essentially car finance without a down payment. If you don’t have a lump sum to put down, or don’t want to, then a 0 deposit car finance package is the way forward.

Do I need a deposit to get car finance?

Refused Car Finance work with a large panel of lenders to make sure that we can offer you plenty of 0 deposit car finance options and the best car finance deals. Of course, you’re always welcome to put a deposit down if you want to, but the fantastic part is it is not required.

Who is eligible?

As no deposit is the standard across our lending panel, the criteria to getting car finance without a deposit are the same.


Do you qualify for car finance with no deposit?

If you can answer yes to the following then we can get you car finance without a deposit!

✅ Lived in the UK for 3+ years

✅  Are 18 or older

✅  Can prove you can afford the finance

✅ Are free from bankruptcy

✅  Hold a full UK driving licence

A lot of people worry that having bad credit or no credit history at all will prevent them from qualifying for a no deposit car deal. We work with a wide panel of specialise lenders and have a lot of bad credit no deposit car finance options for you to choose from. So don’t worry, we really are here to help.

What are the benefits of choosing to get car finance without a deposit?

The most obvious benefit is you don’t have to put down a big lump sum. Not many of us have a lot of money sitting in the bank ready to use as a down payment. Our finance packages allow you to spread the cost of credit out over a time period that works for you and not put down a lump sum at the start. Typically customers choose a 3 – 5 year repayment period which allows an affordable monthly payment that they feel comfortable with.

By not putting down a deposit at the start it can also free up money for car insurance, fuel, and any accessories you may want to buy for your new car. As most of our lenders who approve you will do so on a no deposit plan as that is what the majority of customers look for. That said, our team can quote you the same finance package with a deposit so you can choose the car finance that you’re happiest with.

happy with new van

With Refused Car Finance, you can benefit from:

🚘 Buying your car from any dealer

✍ Getting the best car finance deal possible

✅ Fixed Interest Rates

🗓 Delay your first payment for up to 6 weeks

I have a CCJ, can I still get car finance without a deposit?

To be in with the best chance of being approved for no down payment car finance with a CCJ, you should wait about 12 months after receiving a CCJ to rebuild your credit file and improve your score. However, that’s not to say you can’t get car finance with one, in fact, we have helped many people who do. But to have the full range of our lending panel, a wait of at least 12 months is recommended. Find out more about getting car finance with a CCJ.

choose your car

What cars are available if I choose a no deposit finance plan?

One of the benefits of a car finance broker is you can use the finance at a huge range of FCA Approved Dealerships across the whole UK. That means once we have your no deposit finance package in place you can find your car from a trustworthy dealership of your choice. Whether it’s a Range Rover, Ford, or Audi that you have your eye on, we can get you into the driving seat.

Where can you use your no deposit deal?

Once we’ve gotten you approved for zero deposit car finance you are free to buy your car from any reputable FCA-approved dealership. That’s the fantastic thing about getting 0 deposit car finance through Refused Car Finance, we’re not a dealership therefore we aren’t going to limit your car choices.

Already found your ideal car? Fantastic, as long as it’s approved by the FCA our team can run quality checks and ensure that they are a safe pair of hands, all being good you’ll be able to get that exact car. In the unlikely event that the dealership has a bad reputation, we can use our contacts with reputable dealerships and car buying teams to source the car you want.

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Applying does not harm your credit score as we perform a soft search only.

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