Flexible finance
at a speed that
suits you

from first cars to flash cars, we’ll find
the right deal for you.

Representative Example

Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

Click Car Loans is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.

View loan amount by:

My monthly budget

To pay back over

My credit score is

You could get a car worth

£6,847
No impact on your credit score

Representative Example

Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

Click Car Loans is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.

Why have I been refused car finance?

The worst thing about being refused for car finance is that you’re often not given a proper explanation as to why you’ve been rejected, which can leave you feeling confused and helpless. We’re here to help you move forward and get your car finance approved, but if you want to understand why people typically get refused, we’ve summarised some of the key factors.

Bad credit

If you have a poor credit score, this may disqualify you from borrowing from some lenders. The good news? We have years of experience helping people get bad credit car loans – we’ll make sure you’re not held back by whatever’s happened in the past.

Emplyment status

If you’ve moved jobs a lot, or not been in sustained full-time employment, this will usually count against you when applying for car finance. If that sounds familiar, don’t worry – we work with specialist lenders to make sure you can still get approved.

Affordability

All car finance providers look at your earnings and financial commitments to make a judgement about what you can afford – you may have been refused because the deal you were applying for wasn’t deemed affordable for you. At Click Car Loans, we’ll find you a deal with monthly payments that suit your budget.

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What to do if you’ve been refused car finance

If you’ve been refused car finance but can’t understand why (you don’t have a bad credit history, you’re in consistent full-time employment, and the deal you applied for was easy for you to afford), it’s a good idea to check your credit file using a service like Experian or Credit Karma to make sure there aren’t any errors on there, and rule out issues such as identity fraud.

If you’ve been refused and suspect it’s because of one of the reasons we’ve described, it’s best to avoid applying for more car finance deals that might get refused, as multiple rejections could lower your credit score further. With Click Car Loans, you can be confident you’ll get approved, because we have finance deals for every type of customer, even if you’ve been refused elsewhere.

Why choose Click Car Loans if you’ve been refused car finance?

Our ethos is to ensure our customer is always happy. A car is a home outside of our home, acting as a setting for romantic liaisons, impromptu karaoke sessions and sociable road trips with your very favourite people. Getting it right is important. So is choosing a car finance company that puts your needs first.

We’re here to help if you’ve been refused car finance - even if you are not purchasing the car from us!

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What happens next?

First things first, take a moment to use the car finance calculator to see what you think you can afford. Then, we will get you a quote. As long as you are approved in principle, we can talk! We will allocate you a personal car finance specialist who will work with you and our huge pool of car dealers to find your dream car. And if you already have a car in mind, let us know and we will run full security checks on the vehicle to make sure it fulfils your needs before we get on to the finance shopping!

Any questions? Just ask!

Still questions about getting a car finance quote?

Our dedicated team of advisors are happy to help.

Call us on
0333 005 0001
Free phone between 9am - 7pm
Lines are open

Or email us at