Refused Car Finance Elsewhere?

Refused car finance elsewhere means your previous application was declined — usually because of credit history, affordability, or a combination of factors. Specialist lenders often consider applicants the high street has turned away, assessing affordability and circumstances on a case-by-case basis. All finance is subject to status and affordability.

Check My Eligibility →

Why was my finance refused?

Common reasons for car finance refusal include:

• CCJs, defaults, or IVAs on your credit file
• A thin credit file with limited borrowing history
• Affordability concerns — monthly outgoings vs income
• Not being on the electoral roll
• Recent missed payments on other credit accounts
• Multiple recent credit applications

What to do after being refused

Don't keep applying — multiple hard searches in quick succession lower your credit score further. Instead:

1. Use a soft search — we check eligibility without affecting your score
2. Check your credit file at Experian, Equifax and TransUnion for errors
3. Save a deposit — 20%+ can unlock more lender options
4. Consider a more affordable vehicle if your previous application was too high a loan-to-value

How are we different?

We work with a panel of specialist UK lenders who consider applications the high street typically declines — particularly applicants with CCJs, IVAs, defaults, or thin credit files. We can't guarantee approval (no responsible broker can), but our panel is set up to consider circumstances mainstream lenders won't.

Representative Example

Borrowing £8,495 over 4 years at 19.9% Representative APR, with a £500 deposit, monthly repayments would be £258.42. Total amount payable: £12,404.16. Subject to status and affordability.