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Refused car finance elsewhere?
A refusal stings, especially when nobody tells you why. But one lender's no is not every lender's no. Different lenders weigh the same file differently, and plenty of our customers arrived here after being declined somewhere else.
- FCA-authorised credit brokerNot a lender · FRN 954552
- No credit check until you say soSoft search only, no impact on your score
- Real dealership in KirkhamBlackpool Road, PR4 2RE · open 7 days
- Family-run, 30+ years in the tradeSpeak to the people who supply the car
- Collect from KirkhamDelivery may be available
Being turned down by a supermarket or a comparison site is the single most common way people find this page. It is not a verdict on you.
Why refusals happen
- Automated scorecards. Big lenders decline whole categories automatically; a human never saw your application.
- Wrong lender for your profile. Mainstream lenders are not set up for CCJs, IVAs or thin files. Specialists are.
- Too much borrowing requested. Sometimes the answer is not "no", it is "not that much". A different car changes the answer.
- File errors. Old addresses, unlinked accounts and outdated entries cause avoidable declines. Worth checking your file with the credit reference agencies.
What to do next
Do not fire off more applications; multiple hard searches in a short window genuinely hurt your file. Talk to us instead: we call you, run one soft-search eligibility check only if you agree, and give you an honest answer about what is realistic. No footprint, no obligation.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. We only run a soft-search eligibility check after we have spoken to you and you have agreed to it. A soft search does not affect your credit score and is not visible to other lenders. We are a credit broker, not a lender.
Three straightforward steps
No pressure at any point, and you are free to stop whenever you like. A hard credit search only ever happens at full application, and we will tell you before it does.
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Tell us where you stand
A short form, about two minutes. Sending it does not run any credit check by itself and puts you under no obligation.
No credit check at this stage -
We call you before anything is searched
A person reads your enquiry and phones you. Only once you have agreed do we run a soft-search eligibility check with lenders on our panel who consider adverse credit. A soft search leaves no footprint and other lenders cannot see it.
Invisible to other lenders -
We come back with honest options
Real figures on real cars from our Kirkham forecourt, or a straight explanation if we cannot help right now. You choose whether to go ahead.
Collect from Kirkham or ask about delivery
Work out a monthly figure you are comfortable with
£250.96 / month (illustrative)
These figures are illustrative only and not an offer of finance. They use the representative APR; your rate and payment depend on your circumstances and the lender's decision. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
Cars available on finance
*Estimated monthly figures are illustrative, based on the representative example in the footer.
Will more applications hurt my credit score?
Multiple hard searches in a short period can, yes. That is why we start with a soft search that leaves no footprint.
Can you see why I was refused elsewhere?
No. Lenders rarely share reasons. But common causes are automated scoring, the wrong lender type for your profile, or the loan size. We will look at your situation fresh.
Does a refusal show on my credit file?
The refusal itself is not recorded, but the hard search from the application is, and other lenders can see it for around 12 months.
Our promise: we will tell you if we cannot help, and why. No one can guarantee car finance, and anybody who says otherwise is selling you something.
Two minutes. Soft search. Straight answer.
Tell us where you stand. It takes about two minutes, sending the form does not run a credit check by itself, and there is no obligation.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.