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!

Poor Credit Car Finance

Need car finance and have poor credit? Refused Car Finance are specialists in accepting poor credit car finance applications, with over 98% of applications approved in 2016. Don’t worry if you’ve been declined or refused elsewhere, we can take a fresh look at your application and get you the approval you need.

You may have poor credit for numerous reasons, sometimes at no fault of your own. Whether you have CCJ’s, mortgage arrears, defaults, or simply no credit history at all, we can help you.

It’s true that it can often be more difficult to secure a car loan with poor credit and the loan offered to you may not be what you were hoping for; but not with Refused Car Finance! We have carefully selected car finance lenders and car dealerships that we can make sure you get the best possible deal for your circumstances.


Apply Online Now

✓ No customer fees

✓ Quick & Easy Application Form

✓ Instant Decision

✓ No Deposit Required

✓ Flexible Payment Options


How does car finance for poor credit work?


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01. Fill out our quick and easy car finance application here.

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02. A member of our team will be in contact within 24 hours to confirm your information.

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03. Once approved, you can shop around for your new car – see our current stock of cars for poor credit.

Poor Credit Car Finance

We understand that you may not want to talk about your past credit history, but our friendly team are here to help and won’t judge, instead we will work our hardest to get your application approved and have you on your way to driving your new car.

[list icon=”check” font_size=”16″ icon_color=”#fff247″ text_color=”#ffffff” columns=”2″ bottom_margin=”10″]

  • Defaults
  • Ex-bankrupt
  • CCJs
  • IVAs
  • No Credit History
  • Poor Credit History
  • Unemployed
  • Self-Employed[/list]

We understand that you may not want to talk about your past credit history, but our friendly team are here to help and won’t judge, instead we will work our hardest to get your application approved and have you on your way to driving your new car.

tick icon Defaults

tick icon Ex-bankrupt

tick icon CCJs

tick icon IVAs

tick icon No Credit History

tick icon Poor Credit History

tick icon Unemployed

tick icon Self-Employed

Why use Refused Car Finance?

Although no one can guarantee car finance, we’re proud to get over 98% of our customers a car finance deal. We can do this as we have a wide panel of car finance lenders that allows us to find the best car loan for your circumstances.

Unlike some other car finance providers, we specialise in poor credit applications, therefore your application won’t be put to the back of the pile in favour for someone with a better credit history.

Please note applying for multiple loans at the same time from different providers doesn’t increase your chances of getting accepted, it may even harm your credit rating. This is because multiple applications for loans suggest to lenders that you are ‘financially desperate’, which increases the risk of lending to you and therefore makes the probability of receiving a ‘no’ much higher. Instead, you are better off opting for a poor credit specialist such as us in order to get the best chance of being accepted.

Car Finance to suit you

We understand that there are numerous reasons why you may find yourself with a poor credit score, which is why we find the best car finance deal for you. However, we don’t stop there, we will also help you find the best car for your budget and also provide some helpful advice on how you can improve your credit rating to help you in the future.

If you are looking for car finance, let us help you today.

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