Refused Car Finance

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Rates from 7.9% APR. Representative APR 11.9%

Representative example: borrowing £7,000 over 4 years with a representative APR of 11.9%, an annual interest rate of 11.9% (Fixed) and a deposit of £0.00 the amount payable would be £183.99 per month, with a total cost of credit of £1,831.68 and a total amount payable of £8,831.68.

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Vehicle Price:

£ 7000

Initial Payment (Deposit):

£ 0

To Pay Over:

48 Months

Assuming your credit rating is:

Best Available Rate:


Initial Borrowing:


Total Cost Of Credit:


Total Amount Repayable:


Optional Final Payment:


48 Monthly Payments of


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No impact to your credit score

Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £7,000 over 4 years with a representative APR of 11.9%, an annual interest rate of 11.9% (Fixed) and a deposit of £0.00 the amount payable would be £183.99 per month, with a total cost of credit of £1,831.68 and a total amount payable of £8,831.68.

What is Refused Car Finance

There is no worse feeling than finding your perfect car, falling in love with it and then finding your finance was refused.

You can be refused car finance for various reasons or a combination of reasons. These include:

  • Mistakes on your application form such as address,postcode
  • Recent changes in employment or periods of unexplained unemployment
  • Trying to finance a premium car that your lender is unable to lend towards
  • History of missed payments on your credit file
  • Never borrowed money before or have limited borrowing history

We understand this is upsetting, frustrating and embarrassing. However, this is not the end of the road. Here at Fast Easy Finance, we’re committed to finding the best deals for you, regardless of the reasons why you were rejected.

By taking small steps, we can identify what the refusal was due to and how to help rectify changeable mistakes or minimise the risk of future refusal.

Step-by-Step Buying Guide

What should I do if I have been refused car finance?

The first step is to take a step back and find out why it was refused. Sometimes your application will be refused without further information, if this is the case, your lender might be able to help you understand why. Often, if application errors are the case, this might be explained, otherwise, it could be that your credit score or profile is not strong enough for the finance you were after.

You should wait before you make another application until you have reassessed your situation and application information, as each Hard Credit Check leaves a mark on your file, which might make it difficult for you to get finance in the future.

If you think you’ve been refused because of bad credit, there are several things you can do. We have a helpful guide to talk you through the changes you can be making to help reinforce your chances of approval.

How can I improve my poor credit score?

You can always take steps to improve your credit score.

Whilst each credit reference agency uses a different system to calculate your score, a few underlying principles can help to fix your credit score quickly:

  • Pay your bills on time
  • Check for mistakes on your credit report
  • Don’t use all your available credit
  • Don’t make lots of applications at the same time
  • Get on the electoral roll

Why come to Fast Easy Finance if you have been refused car finance?

Here at Fast Easy Finance, we believe car finance is more than just a new car. It’s a journey to improving everyday life.

Whether you need a car for your new job, to carry the kids to school or just to be proud of your achievements, we’ll work with you and our lenders to bring you guaranteed car finance and competitive interest rates and terms, helping you get the car you need or want.

We’ll help you reassess your circumstances, collaborate with our panel of lenders, read the fine print for you, and provide you with a point of contact adviser to guide you through the decision.

What’s next? How do I apply for refused car finance?

Get a free no-obligation quote by filling in our quote form.

If you’ll be approved in theory by one of our panel lenders, we will reach out with your offers and explain what you have available.

We will be able to answer any questions you may have and we will leave you to find your perfect car (or you might already have one in mind!). You can search our vehicle stock or let us know about a car you have found elsewhere.

Use our calculator to find out how much you could afford to repay monthly.

Comparison of Finance Options

Finance Features: Hire Purchase (HP) Personal Contract Purchase (PCP) Personal Loan
Requires initial deposit Optional Optional
Car is yours at the end of the agreement
Fixed monthly payments
Optional balloon (final) payment
Avoid excess mileage charge
Secured against an asset (e.g. a car)
Support with vehicle issues

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and will not affect your credit score.

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Phone: 020 3701 7994 Email: Business Hours: Monday to Friday 09:00 - 19:30
Saturday 10:00 - 19:00
Sunday 10:00 - 17:00

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