Can You Get Car Finance if You Have Been Refused a Loan?

Tim Carpenter
Written by Tim Carpenter

If you’ve been refused car finance because of bad credit, we still may be able to help. In fact, at CarFinance 247 we work with a panel of lenders and some of those do offer bad credit car finance

However, we can’t guarantee that we’ll be able to help as everyone’s circumstances are different and we’d need to look at your individuals details – including your employment status, income, and loan amount – as well as your credit history to find out if we can match you to one of our lenders.

Even so, we are able to help people with a wide range of personal circumstances get car finance, including those with CCJs on their file, are in an IVA, or have previously been bankrupt.

We can also help people who are self-employed, working part-time or agency workers. No deposit car finance options are available too.

Just because you’ve been declined for a car loan elsewhere (from a bank, car dealership or even another broker), that doesn’t mean you need to give up on getting car finance.

And it’s not just cars that we can help finance! We can look to find loans for vans, motorbikes, motorhomes, and caravans too.

Get a quote to find out more. Rates from 19.1% APR. Representative APR 31.2%.

Get a quote
No impact on your credit score
Rates from 6.9% APR. Representative APR 24.9%

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5 years
Total cost of credit £ 2000
Total repayment £ 2000
48 monthly
payments of
£ 245 98

Rates from 6.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6,500 over 5 years with a representative APR of 24.9%, an annual interest rate of 24.9% (Fixed) and a deposit of £0.00, the amount payable would be £181.16 per month, with a total cost of credit of £4,369.52 and a total amount payable of £10,862.52.

Can't find the right answer?

Our Manchester based team are ready to help you.


* The UK's number one online car finance broker by unique users to the website. Based on Hitwise data – 1,746,657 to CarFinance 247 vs. 666,020 for nearest competitor. January to December 2019.

96% of our customers recommend us: † Based on feedback left on independent review site Reviewcentre. May 2019.

CarFinance 247 is a trading name of CarFinance 247 Limited, a credit broker and insurance intermediary, and 247 Money Group Limited (247 Money), a lender. Both companies are part of the 247 group of companies.

CarFinance 247 is authorised and regulated by the Financial Conduct Authority under reference number: 653019. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. Company registration no. 06035525. Data Protection Registration Number Z1897658.

247 Money is authorised and regulated by the Financial Conduct Authority. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. Company registration no. 10989530. Data Protection Registration Number ZA456831.

All finance is subject to status and income. Written quotations on request. CarFinance 247 can introduce you to a limited number of finance providers, including 247Money, based upon your credit rating and will receive commission for such introductions.

† We do not charge a fee for arranging the finance, however some of our lenders may charge a fee. Your account manager can provide more information on this

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