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Bad credit & £0 deposit specialists
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If you know your credit score, you can use our car finance calculator to give you an estimate of the total cost of your credit agreement on your new vehicle.
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When you want to finance a car, you need to find the option that's right for you. That's why we offer different types of car finance, including:
Car finance is a method of buying a car while spreading the payments. It gives you access to a vehicle you may not otherwise be able to afford upfront. It’s a simple process; get approved for finance, pick your car and state you contract length; then we’ll take care of the rest!
What is car finance and how does it work
Yes, even if you have bad credit, you may still be able to get car finance. We work with lenders who specialise in helping those with less than perfect credit. However, if you’ve recently been refused credit, it may be worth looking at other options.
How to qualify for a car loan with bad credit
Yes, it is possible to get car finance with an IVA or CCJ, but we can’t guarantee anything. We work with specialist lenders who help people from diverse credit backgrounds. It’s easy to find out if you’ll be approved without it affecting your credit score.
Can I get car finance with an IVA or CCJ?
Yes, you can part-exchange your current vehicle when applying for a finance agreement on a car or van. We accept all part exchanges. You can see how part-exchange works using our guide.
What is part exchange?
No, you don’t need to make a deposit on any of our vehicles. While a deposit can be useful and will lower your monthly payments, it’s not a requirement, and we work with several lenders who don’t require one. You will have to pay £49.99 to reserve your car, which is a separate fee.
Learn more about no deposit car finance
To apply for car finance, you have a couple of options. You can either submit an enquiry on a vehicle and go through the application with your account manager or get approved online in minutes by using our quick and simple Apply Now feature. Neither will harm your credit score, and once approved, if you provide all your paperwork on time, and the lender is happy, it should only take a few days to get your finance in place.
Get preapproved with no impact on your credit score
Everything you need to know about getting a car when you have bad credit.
When you’re buying private or from an independent garage, you can never be 100% sure what you’re getting; that’s why all our vehicles have to pass our 172-point check to get our Approved Used status..
We have cars from all the top manufacturers, whether you’re after a luxury BMW or an economical Toyota. And if you can’t find the car you love, we can source it for you.
We know that people come from all walks of life and different financial backgrounds, which is why we work with lenders that are considerate of your circumstances, whether you’re on a low income or you’ve been bankrupt.
When you buy a used car, you want to know that you’re covered if something goes wrong. If your vehicle isn’t in the manufacturer’s warranty, we’ll offer you a six-month warranty at no extra cost.
I made my initial enquiry not thinking I would even be accepted for credit - with a default on my file from years ago.
James was friendly and not pushy at all. He managed to secure me a deal at 12% interest, which is almost as good as a normal credit deal.
James listened to the fact I wanted to keep my costs down, and he was very patient asking every single little question - back and forth by email, finding out all the details for me.
View our Trustpilot reviewsVery happy to have my car delivered on a great deal with low monthly payments from a reliable company.- Marissa Freeman, December 2020
Hippo Motor Finance was set up as part of Hippo Motor Group over a decade ago in 2007. We are proud to have become one of the UK’s top car finance companies.
Our growing success comes from offering you a niche car financing experience - a hassle-free service where you can secure both your vehicle and car finance with Hippo Motor Finance. Hippo are so confident in our vehicles that we provide a no quibble 7 day exchange policy!
Learn more about Hippo Motor FinanceOur team of experienced professionals can take the hassle out of car finance for you. Every member of our team is SAF (Special Automotive Finance) qualified and trained. We will work hard to get you an unmatched car finance deal for the vehicle you have chosen from our extensive range.
Meet the TeamBefore they are made available for you, each and every one of the 800+ cars are put through various preparation tests and servicing at the on-site Hippo Motor Finance Service Centre. If a vehicle fails any aspect of the visual or other parts of the lengthy and rigorous 124-point checks, then they are simply not sold to you. We only offer the very best.
Learn about our Stock & PreparationAt Hippo, we’re not unfamiliar with the motor industry. Hippo Motor Finance was set-up by Thomas and Richard, part of the well-known Preston family of Lancashire, who’ve been trading in the area since 1906. With the decades of experience picked up by the Prestons throughout the years, we bring you a car finance company who have gained a firm reputation as one of the fastest growing car finance companies in the UK.
Discover our historyWe know that getting a car can be a big decision. Hippo are so confident in our cars that we provide a no quibble 7 day exchange policy to go alongside either the manufacturer’s warranty or (when there is no manufactures warranty) a complimentary 3 month warranty.
Find out about our 7 day exchange
