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Why I’ve been declined car finance?

There are a number of factors that a lender takes in to consideration when deciding whether to accept your application for car finance. Each lender has their own car credit lending criteria, as well, and things such as a low credit score, not being on the electoral roll or being unable to prove your monthly income are just a few examples.

It could simply be that the amount you’re trying to borrow is too high compared to your income. We will consider all applicants – even if you have a less than perfect or bad credit history, or you have had CCJs, have been bankrupt or been refused by another car finance broker. To find out if you’re eligible for vehicle finance, please visit our car finance application page.

More about our finance

  • We finance customers with poor and bad credit
  • Financible is an online company to finance used cars online and we have cheap car loan offers for customers with bad credit rating.
  • No deposit car loan plans available
  • Are you looking for car finance bad credit no deposit deals? We have 0% deposit car loan deals for customers with all types of credit histories.
  • In the last 12 months we approved 98.2% of applications
  • We have car finance guaranteed acceptance no deposit offers. Simply apply now and get your personalised vehicle loan offer.

How to get accepted now if I’ve been declined before

Catch up any missed payments. Wait for a month or so for those payments to appear in your credit file.

Larger deposit towards your purchase would help the lenders to see that you are willing to commit to this agreement.

Consider a joint application or ask your partner or parents to become your car finance guarantor.

If you have been declined a car loan before, you’re over 18, you haven’t been bankrupt and you can provide evidence of your income, then the great news is that we can help you.

Can you secure me guaranteed car finance?

No lender or broker can get you guaranteed car finance as obtaining credit will depend on your income and financial background. We have access to large network of lenders and we have high approval rates, so we can help most of our customers, including those with poor or bad credit score and even if they’ve been declined car loan in the past. If you have been refused car credit, it is worth applying with Financible now.

When you choose car finance with us, our team of experts are here to help you get the loan deal you need and getting you on the road as soon as possible.

Calculate my car finance

Finance amount - £ 7,500
Average APR - 6.0%
Deposit Required - 0%
Total Interest - £900
Total Repayable - £8,400

£1,100p/ month

What our customers say

5 star review

Mr A. Mila - £10,000 approved

The car finance application process was very simple and getting approved was a hassle free.