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!

Used Car Finance

Couple buying their used car on finance

What is Used Car Finance?

Used car finance works in the same way as any other type of car finance. When you buy a used car, make sure you carry out the necessary checks on it – use our handy checklist on buying a used car to help! Whilst it can save you money at first, in the long run a used car could cost you later on in repairs and maintenance so it is worth being cautious and do your research.

It is also worth noting that buying a used car doesn’t necessarily mean buying a very old car. Picking a model that is a year or two old will see a drop in the price however there are exceptions. Manufacturers such as BMW or Audi will have models that hold their value very well, so you won’t see any depreciation with these over a short period of time.

We have a wide selection of new and used cars which you can view here.

Advantages of getting used car finance

With brand new cars starting from at least £6,000, purchasing a new car upfront is not possible for many people. Used Car Finance is a great option to consider when you want to spread the cost of buying a used car. We can help locate the best used car finance deal on the market to suit you and your needs.
Having a pre-owned car is a great way to keep the costs down, especially if you like to change your vehicle regularly.

✓ We approve over 98% of customers

✓ No customer fees 

✓ Buy your car from any dealer

✓ Flexible payment options – pay weekly or monthly!

✓ No deposit options available

✓ Quick and easy online application

Couple looking for used car finance online

Apply for Used Car Finance Now

We can provide finance at a great rate for a wide range of used cars.

Apply for a no obligation quote online and a member of our team will give you a call back.

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

131 Reviews

Brilliant, I was introduced to Paige at UK Car Finance/Refused Car Finance and the whole process with them was very simple, straight forward and no hassle. I was kept up-to date with the whole process and was in regular contact via phone/email and sms(iMessage) so felt that I was being well looked after.

I have dealings with other finance companies before who provide a reasonable service but I found the staff at refused finance went the extra mile in finding me a suitable vehicle from a reputable dealer. I needed a lot of help and assistance and they were always willing to accommodate my needs even when I was being indecisive. I had 1 broker in particular who stands out, Jacob, Jacob did a fantastic job and always found solutions to problems I encountered, without his commitment to customer care I may have given up. I will definitely be recommending your company and Jacob in particular. Thanks guys I don’t know what I would have done without you.

Brilliant service from Lewis and Michael. Very friendly and helpful, really happy with finance and car.