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!

Privacy Policy

Privacy Policy
Our Privacy Policy explains who we are, how we collect your information and what we do with it.

Who we are:
This website is owned and operated by UK Car Finance Ltd, trading as Refused Car Finance (“we”, “us”, “our”) Company number 9397657.

What information we collect:
This provides an overview of the information of how we collect your information and how your privacy is protected when you are on our site. Personal information on our website can be collected in two ways:

  • Indirectly (for example, through the use of cookies) and/or
  • Directly, (for example, the information you provide on forms on our website)

This information also includes your IP address for the purposes of tracking to understand how visitors use our sites, and utilize Google Analytics tracking to help us understand how visitors arrive, browse the site and highlight areas to improve such as navigation. This data is anonymous and will never show personal information that can reveal your identity.

We collect information when you choose to submit it to us as requested when you apply for services/products on our site.

How we will use this information:
We gather your information, which may include personal sensitive information, to assess and process your application and allow a third party lender (from our panel of carefully selected lenders) to provide you with suitable car finance for your personal circumstances. Any information relevant to your application is shared with our agents and third-party lenders to process your application.

In assessing your application for credit, we may search your credit file using credit references agencies (Experian, Equifax or any other credit reference agency we may be using at that time) for the purpose of considering your credit score in relation to your finance application. This credit check may or may not be visible on your credit file. The credit reference agencies we use will provide us with a computerised credit score and if we can proceed with your application based on this score, we will pass this information to suitable lenders.

Credit reference agencies hold public information such as registration on the electoral register, county court judgements, and bankruptcy or repossession orders.

Any information provided to us should be accurate and true. If information provided is found to be false or inaccurate, details will be passed onto fraud prevention agencies. To verify your identity, prevent crime and assist in the recovery of debt, we may exchange information with Fraud Prevention Agencies, Debt Recovery Agencies and any other relevant organisations. When you provide us with information for the purposes of your application, you consent to us providing your personal information for the above purposes.

Use of Cookies:
Cookies are small bits of data that are created when you enter a website and contain a unique identification number. They do not contain any personal information about you and cannot be used to identify an individual. We may use Cookies to enhance user experience, maintain site security and improve the website.

Cookies do a variety of jobs from remembering your chosen items, preferences and ensuring the advertisements and offers are more relevant to you.

DoubleClick: We use Google Analytics remarketing codes to log when users view specific pages or take specific actions on a website. This allows us to provide targeted advertising in the future. If you do not wish to receive this type of advertising from us in the future you can opt out using the DoubleClick opt-out page or the Network Advertising Initiative opt-out page.

Cookie Policy:

Cookies can be divided into the following categories:

  • Strictly necessary: These cookies are required for the operation of the website and to enable you to do things such as logging in or using a shopping cart.
  • Performance: These cookies collect anonymous data that is used to recognise and count the number of visitors to the site and see how they use the site. This help to improve the way the website works by ensuring users can find what they are looking for easily.
  • Functionality: These are used to recognise when a user returns to the website and allows personalised content and preferences.
  • Targeting: These cookies record when a user visits the website, pages they may visit and any links followed. This information can be used to make the website content and adverts more relevant to their interests.



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

109 Reviews

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

Jacob Carr, I can't thank you enough for the excellent service kindness politeness...you are excellent at what you do....there are people that do their job for the sake of food doing it....you are NOT one off them...you do your job with a passion & enthusiasm... With made my experience with yourself truly Wonderful... Thank you to All Regardless Arbresha... XXx