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Refused Car Finance

If you've been refused car finance elsewhere, we could still help.

Being declined for car finance can be disheartening, but Really Easy Car Credit have a panel of specialist lenders so we could get you approved for car finance and into a new car. We understand it can be frustrating if you've been refused for car finance previously, so our aim is to make our application process as simple and easy as possible.

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Happy customer by car

Why have I been refused car finance?

There are a number of reasons why you have been refused car credit, here are a few examples:

Bad credit - If you've got bad credit history then your application will be declined from most banks and mainstream lenders. Consider applying for finance with a specialist lender.

Too many searches - Applying for credit too many times means that you can be declined - lenders can assume you can't manage your money very well if you are repeatedly applying for credit.

Not on the electoral register - This helps lenders trace your address history and ensure you can be identified easily.

No credit history - If you've never had credit previously, such as a credit card or loan, lenders can't see if you have a history of repaying on time.

Employment status - If you are self-employed or you work part-time or as an agency worker it can be more difficult for you to be approved.

Can Really Easy Car Credit get me approved?

Our team of friendly experts are here to understand your situation and try our best to get you approved for car finance at the best rate we can find. We aren't here to judge but to simply get you into the car of your dreams.

A car is a necessity for most people now - whether it's for commuting to work, for taking your kids to school or for visiting your family, we believe that everyone should have the opportunity to finance a car if they can afford it. That's why we don't look at your credit history alone - we take into account your income and affordability when assessing your application.

If you have marks on your credit file such as missed payments, defaults, arrears, CCJ's or IVA's we could still help get you into a car with bad credit car finance.

We could help secure you finance for your car if you meet our small criteria:

  • Over the age of 18
  • Free from bankruptcy
  • Hold a full valid UK driving licence
  • Lived in the UK for at least 3 years

Fill out our quick and easy application form for a no obligation quote. It's really that easy!

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