We have a dedicated team of finance experts waiting to help with your enquiry


without any impact on your credit file...



At F C Car sales Ltd it is our responsibility to provide cost-effective loans for anyone looking to purchase a new or used car regardless of their personal financial circumstances. We take pride in delivering a professional and quick service with best-in-market vehicle finance rates.


We provide a smooth, hassle-free way for you to apply for car finance and get the vehicle of your choice from our huge range of cars.

        Benefits include:

  • No deposit required

  • All circumstances considered

  • A decision within minutes

  • Dedicated finance advisor


All you need to do is contact us or complete our application form to receive a fast decision. If you are accepted, our experienced advisors will be available to discuss your requirements.

At F C Car Sales Ltd our aim is to provide car finance loans that are fair and appropriate for your current credit standing. We are here to find you the best deal possible from our huge panel of specialist lenders.


We can secure an instant car loan for all employment types from directors to the self-employed throughout the UK, and we can also help you to secure a financial loan if you currently have poor or bad credit or have been refused previously. Examples of credit issues include but are not limited to, CCJs, defaults, missed payments and arrears. Even if you are on a debt management scheme we can still help you.

At F C Car Sales Ltd we are responsible, so if we feel that a car finance loan isn't in your best interests at this point in time, we will inform you. As a reputable business we can help the vast majority of people, even those with poor or bad credit; however, we cannot guarantee the offer of car finance for absolutely everybody.


Have you been declined for car finance previously?

You may believe that if you have been refused car finance in the past, making another application would be just as futile, but don't be deterred! At F C Car Sales Ltd, we have a history of helping people who have been turned down for a car loan in the past to secure a deal.

Why Was I Refused Car Finance?

There are a number of reasons why you may have been previously declined for car finance, including the following:

Bad Credit

The most common reason for being refused car finance is bad credit. When finance lenders review an application and decide whether or not to approve it, they will look at the candidate's credit file for reassurance that they will make the loan repayments on time. Any missed or late credit card or loan payments, CCJs or bankruptcy will contribute to bad credit and imply that the applicant is an unreliable borrower.

No Credit


If you have no history of borrowing, this could also have a negative effect on your credit score. This is because there is no evidence to show that you are or aren't reliable when it comes to paying back borrowed credit, so lenders cannot be confident of your trustworthiness. 


Too Many Searches 


When you are applying for car finance, it is important that you do so selectively. Each time a lender views your credit file, a 'footprint' will be left and if finance providers see that you have made lots of applications in the past, they may assume that you are not very good at managing your money.

Employment Status 

If you are self-employed, working part-time or on a temporary basis, many lenders will see this as a risk, because your source of income may be less reliable than that of a fully-employed applicant, so you may have more difficulty gaining approval for car finance.


Driving Licence 


If you want to apply for car finance but currently only hold a provisional licence, a lot of lenders will turn you down, particularly if you do not have an excellent credit score. 


If you have been declined for car finance due to a bad credit history or no previous credit history, your employment status, your age or the type of driving licence that you have, don't be dissuaded. At F C Car Sales Ltd, our dedicated advisors are experienced at getting people who have previously been refused car finance behind the wheel of their dream car.

For more information, call us on 01925 989 211, browse our range of cars here or apply for car finance online.



All our vehicles come with a full tank of fuel, drive away insurance and a 12 month MOT and warranty



without any impact on your credit file...

We have a dedicated team of finance experts waiting to help with your enquiry - it's easy to apply for finance with F C Car Sales Ltd, just complete these simple steps:


Fill in our simple online form from your mobile, tablet or laptop - it only takes a minute.


You will usually receive our decision within the hour.


Choose from our wide selection of hand-picked vehicles.


Pick up the keys to your brand new vehicle and drive away, often even the same day!

Please complete the following information...


F C Car Sales Ltd, Unit 4 Ashton Street, Warrington, Cheshire WA2 7UB

  • Instagram

©2020 by F C Car Sales Ltd

Company Number 12486470