How It Works
  • Get a decision in minutesGet a decision in minutes
  • Bad Credit SpecialistsBad credit & £0 deposit specialists
  • 14-day money-back guarantee14-day money-back guarantee

Car Finance - Find your next car the hassle free way

From the bad credit and zero deposit specialists
1000+ cars in-stock all with £0 deposit
My monthly budget is...
Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender.
1000+ cars in-stock all with £0 deposit

How it works

  • Step 1
    Step 1
    Check if you'll be accepted - with no impact on your credit score!*
    Simply fill in our quick and easy form and we'll let you know within minutes if you'll be accepted.
  • Step 2
    Use the My Hippo app to find your car
    Once you’ve been accepted for finance, we’ll get in touch to discuss your options and give you access to the exclusive myHIPPO app where you can browse 1000’s of vehicles and reserve your dream car online or over the phone!
    Step 2
  • Step 3
    Step 3
    Drive away in your dream car!
    Collect your car within 48 hours from one of our showrooms or arrange nationwide delivery to your door!

Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender.

*When a finance application is being considered we will perform a hard credit search.

Your finance options

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:

Hire Purchase (HP)

Hire Purchase (HP)

  • Choose a contract length and pay a fixed monthly fee
  • Own the car at the end of the agreement with a small Option to Purchase Fee
Find out more
Conditional Sale (CS)

Conditional Sale (CS)

  • Choose a contract length and pay a fixed monthly fee
  • Own the car at the end of the agreement
Find out more
Personal Contract Purchase (PCP)

Personal Contract Purchase (PCP)

  • Choose a contract length and pay a fixed monthly fee
  • Part exchange, buy or hand the car back at the end of your agreement
Find out more

Popular questions answered

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!

FAQ 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.

FAQ 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.

FAQ 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.

FAQ 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 £69.99 to reserve your car, which is a separate fee.

FAQ 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.

FAQ Get preapproved with no impact on your credit score

Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender.

Helpful and useful guides

Everything you need to know about getting a car when you have bad credit.

Why use Hippo Motor Finance?

  • Buy your dream car online
    Buy your dream car online
    • Oval Cars have to pass our 130-point Approved Used check
    • Oval Delivery to any UK-based location within 48-hours
    • Oval 14-day money-back guarantee and 6-month warranty
    • Oval Part exchange your old car
    • Oval Use the Hippo Portal to browse, shortlist and reserve cars
  • Get your car and finance in one simple package
    Get your car and finance in one simple package
    • Oval Car and finance deals to suit every budget
    • Oval All vehicles have a £0 deposit option
    • Oval Check your finance eligibility within 30 minutes*
    • Oval We consider all financial circumstances
    • Oval Various finance contracts available
  • All circumstances considered
    The Hippo commitment
    • Oval 1000s of cars in stock, and we can source any vehicle
    • Oval We offer you complete protection with Hippo Assured
    • Oval Advice and guidance from your personal account manager
    • Oval Our eligibility check won’t harm your credit score

*If you apply outside of our opening times, you’ll receive a decision the next day Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender.

Hippo Used Car Promise Hippo Used Car Promise

Hippo helped me keep my car finance payments low

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 reviews
Very happy to have my car delivered on a great deal with low monthly payments from a reliable company.
- Marissa Freeman, December 2020

Proud to be one of the UK's top Car + Finance companies.

about Hippo
About Hippo Motor Finance

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 Finance
About Hippo
Our Team

Our 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 Team
About Hippo
Stock & Preparation

Before 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 & Preparation
About Hippo
Our History

At 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 history
About Hippo
7 Day Exchange

We 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

Representative Example of Credit

Based on a Hire Purchase (HP) agreement. We expect more than 51% of our customers to achieve this rate.

Loan amount




60 monthly payments


Deposit amount


Loan term

60 months

Flat rate


Total cost of credit


Total amount payable


All pictures and/or photos and car descriptions on this site are for illustration and reference purposes only and are not necessarily the vehicle on offer. All offers are subject to change at any time and are subject to finance approval and vehicle availability. All prices correct at time of publication. E & OE.

Hippo Vehicle Solutions Limited t/a Hippo Finance is authorised and regulated by the Financial Conduct Authority. FRN 658076. Company number 06215364, registered company address – Unit 26, Trident Park, Trident Way, Blackburn, BB13NU. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a commission for introducing you to a lender, the commission we receive may be preset but can vary and impact the amount payable. Images for illustrative purposes only. Hippo Vehicle Solutions Limited t/a Hippo Finance is an Appointed Representative of AutoProtect (MBI) Limited for insurance distribution purposes. AutoProtect (MBI) Limited is authorised and regulated by the Financial Conduct Authority. Its firm reference number is 312143. You can check this at

We endeavour to ensure that all information including the specifications and finance availability are accurate. Whilst we make every effort to display correct information we are aware that errors may occur occasionally. We are not able, therefore, to guarantee the accuracy of all information especially when given to us by third parties. If you do require clarification of some information you have seen on our website, please email us at [email protected]. This does not affect your statutory rights.

Our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB1 3NU.

When completing an application on this site we will automatically check your eligibility across a range of finance & leasing products to provide you with the best selection of options that we can. Below is a Representative Examples of our HP finance options for comparison, we expect more than 51% of customers to achieve the rates shown.

Representative Example Of Credit (Hire Purchase)
Hire Purchase (HP) Finance Example: Cash Price £12,480.00 Total Deposit £1,140.00. Total Amount of Credit £11,340.00. 60 monthly repayments of £284.50. Interest Charges of £5,730.00 Total Amount Payable £18,309.00. Annual Fixed Interest Rate of 11.1%. Representative APR 18.9%.