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If you have been refused elsewhere for credit, it does not mean you cannot get car finance. Here at U Car Finance we are dedicated to giving our customers the best service as possible; this means if you have been refused elsewhere for credit, we will try our best to get you accepted for car finance.

However it is in our nature to ask ‘why were you refused?’, Although we cannot answer exactly why you were refused, we can help guide you to understand what may have been the cause for your credit application to be refused. In fact, it could be various reasons why you were rejected for credit, some of the common ones are:

· You have a new job or home.

· You are a frequent mover.

· Previous problems are still showing up (e.g. CCJ’s).

· You’ve made multiple credit applications

· You don’t fit the lender’s profile.

· You haven’t borrowed before.

· There are mistakes on your credit file.

· You are not on the electoral role.

· You have access to too much credit.

· You’ve been a victim of identity theft.

Lenders are increasingly picky; the list can go on and on, overall whether if you get accepted for finance or not typically depends on each lender’s policies. The best way to check what could have been the cause for your specific credit rejection is to check your credit file with a company such as ClearScore, Experian, and Equifax, etc. for free.

It’s important to understand your credit profile and the information that is on there. Accessing your credit profile allows you to see what might be causing a negative or positive impact on your credit score.

Remember, your credit score will change over time, just because you have been refused in the past, it doesn’t mean we won’t be able to help you, here at U Car Finance we work with a large panel of lenders, and with over 100 of financial products, we can find the best suitable finance option for your individual circumstances.

Once you have seen your credit file and you are happy with everything, you can use our finance calculator to see how much you could borrow and apply when you’re ready. You could get your new car within 48 hours; it’s that simple.

You can call us on 0330 445 5505 and talk to one of our friendly members of staff who will help you with any queries.

U Car FInance
U Car Finance is one of the leading UK Car Finance Brokers, we are dedicated to giving our customers the best service as possible. We accept people who have been refused elsewhere, people with good credit, bad credit and people with no credit history at all.

Our Address

U Car Finance
208 Victoria Street (Ground Floor)
Oldham, OL9 0DA
United Kingdom

Opening Times
Mon-Fri: 9.00 am - 7.00 pm
Saturday: 9.00 am - 5.00 pm
Sunday: Closed

Our Contact Infomation

Contact us if you have any questions.

Click Here For Contact Form
Phone : 0330 445 5505
Email : info@ucarfinance.co.uk

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