Refused Car Finance
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Rates from 9.9% APR. Representative APR 16.9%
Representative example: borrowing £7,000 over 4 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00 the amount payable would be £201.62 per month, with a total cost of credit of £2677.92 and a total amount payable of £9677.92. This is an example only, lender fees may apply. All finance subject to status.
HP
PCP
Car Finance Calculator
Vehicle Price:
£
0
Initial Payment (Deposit):
£
0
To Pay Over:
48
Months
Assuming your credit score is:
Rates from 9.9% APR. Representative APR 16.9%
Representative example: borrowing £7,000 over 4 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00 the amount payable would be £201.62 per month, with a total cost of credit of £2677.92 and a total amount payable of £9677.92. This is an example only, lender fees may apply. All finance subject to status.
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The first step is to take a step back and find out why it was refused. Sometimes your application will be refused without further information, if this is the case, your lender might be able to help you understand why. Often, if application errors are the case, this might be explained, otherwise, it could be that your credit score or profile is not strong enough for the finance you were after. You should wait before you make another application until you have reassessed your situation and application information, as each Hard Credit Check leaves a mark on your file, which might make it difficult for you to get finance in the future. If you think you’ve been refused because of bad credit, there are several things you can do. We have a helpful guide to talk you through the changes you can be making to help reinforce your chances of approval.
You can always take steps to improve your credit score. Whilst each credit reference agency uses a different system to calculate your score, a few underlying principles can help to fix your credit score quickly: Pay your bills on time Check for mistakes on your credit report Don’t use all your available credit Don’t make lots of applications at the same time Get on the electoral roll
Here at Vizion Finance, we believe car finance is more than just a new car. It’s a journey to improving everyday life. Whether you need a car for your new job, to carry the kids to school or just to be proud of your achievements, we’ll work with you and our lenders to bring you guaranteed car finance and competitive interest rates and terms, helping you get the car you need or want. We’ll help you reassess your circumstances, collaborate with our panel of lenders, read the fine print for you, and provide you with a point of contact adviser to guide you through the decision.
Get a free no-obligation quote by filling in our quote form. If you’ll be approved in theory by one of our panel lenders, we will reach out with your offers and explain what you have available. We will be able to answer any questions you may have and we will leave you to find your perfect car (or you might already have one in mind!). You can search our vehicle stock or let us know about a car you have found elsewhere. Use our calculator to find out how much you could afford to repay monthly.
