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How It Works Apply Now
  • 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

The hassle free way
to finance and find
your next car

From the bad credit and zero deposit specialists
Apply NowIt won't affect your credit score!
1000+ cars in-stock all with £0 deposit 1000+ cars in-stock all with £0 deposit
  • 48-hr nationwide delivery
    Or drive away the same day when you reserve online
  • 172-point inspection
    We thoroughly test all our approved used vehicles
  • COVID secure
    Contactless handovers and sanitised vehicles
  • 1000s of vehicles
    We stock cars, vans, hybrids and electric cars

Get a decision in minutes ✅ - with zero impact on your credit score!

Get Started

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, you'll get exclusive access to our portal, where you can browse 1000's of vehicles and reserve your dream car.
    Step 2
  • Step 3
    Step 3
    Drive away in your dream car!
    We offer 48 hour nationwide delivery! Or, you can pick your car up from our showroom on the same day.

Check your affordability before you apply

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.

My credit is... Bad Poor Average Good Excellent
£70 £1000
12 months 60 months

Summary

We could get you a car up to
*
Amount Repayable:
Representative APR:
Rate of Fixed Interest:
Total Cost of Credit:
Check your eligibility
* Depending on your credit score.

1000+ cars in-stock all with £0 deposit

July Special Offer July Special Offer
Vauxhall Insignia 2.0 CDTi ecoFLEX SRi
Vauxhall Insignia 2.0 CDTi ecoFLEX SRi
Pay NO Deposit
From £218.19
per month incl. vat.
View Deal
Volkswagen Golf 2.0 TDI SE
Volkswagen Golf 2.0 TDI SE
Pay NO Deposit
From £150.05
per month incl. vat.
View Deal
Nissan X-Trail 1.6 dCi N-Tec Xtronic
Nissan X-Trail 1.6 dCi N-Tec Xtronic
Pay NO Deposit
From £319.12
per month incl. vat.
View Deal
Ford Mondeo 2.0 TDCi ECOnetic Zetec
Ford Mondeo 2.0 TDCi ECOnetic Zetec
Pay NO Deposit
From £224.31
per month incl. vat.
View Deal
Toyota Aygo 1.0 VVT-I X-Play
Toyota Aygo 1.0 VVT-I X-Play 5 Doors Hatchback
Pay NO Deposit
From £117.09
per month incl. vat.
View Deal
Vauxhall Viva 1.0 SL
Vauxhall Viva 1.0 SL
Pay NO Deposit
From £146.62
per month incl. vat.
View Deal
Nissan Juke 1.6 Tekna Xtronic
Nissan Juke 1.6 Tekna Xtronic
Pay NO Deposit
From £207.95
per month incl. vat.
View Deal
Vauxhall Zafira 1.4T Exclusiv
Vauxhall Zafira 1.4T Exclusiv
Pay NO Deposit
From £182.78
per month incl. vat.
View Deal
Volvo Xc60 D4 R Design
Volvo Xc60 D4 R Design
Pay NO Deposit
From £371.83
per month incl. vat.
View Deal
Vauxhall Astra 1.6
Vauxhall ASTRA 1.6 CDTI 16V 110 TECH LINE 5 Doors Hatchback
Pay NO Deposit
From £164.54
per month incl. vat.
View Deal
Jeep Renegade 1.6 E-torQ Longitude
Jeep Renegade 1.6 E-torQ Longitude
Pay NO Deposit
From £232.12
per month incl. vat.
View Deal
Vauxhall Insignia 1.6 CDTi SRi Nav Auto
Vauxhall
Pay NO Deposit
From £249.22
per month incl. vat.
View Deal
BMW X4 xDrive20d M Sport Step Auto
BMW
Pay NO Deposit
From £472.25
per month incl. vat.
View Deal
Volkswagen Passat 1.6 TDI SE Business
Volkswagen Passat 1.6 TDI SE Business
Pay NO Deposit
From £258.50
per month incl. vat.
View Deal
Infiniti Q50 2.2d Sport Auto
Infiniti Q50 2.2d Sport Auto
Pay NO Deposit
From £277.50
per month incl. vat.
View Deal
Merces-Benz E220 CDi BlueTec SE
Mercedes E220 CDi BlueTec SE
Pay NO Deposit
From £290.86
per month incl. vat.
View Deal

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
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 £49.99 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

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 172-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

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
Review

Get a decision in minutes ✅ - with zero impact on your credit score!

Get Started

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

We expect more than 51% of our customers to achieve this rate.

Loan Amount Total Cost of Credit Representative APR 60 Monthly Payments Deposit Amount Loan Term Total Amount Payable
£7,500 £3831 19.1% APR £188.85 £0 60 Months £11,331

All offers are subject to change at any time, you must be 18 or over and finance is subject to status, vehicle availability and terms and conditions apply. We can introduce you to a limited number of finance companies, a commission may be received. Failure to maintain payments may result in termination of your agreement and the vehicle being returned, this could affect your credit rating and make it more difficult to obtain credit in the future. All prices correct at time of publication.

We purchase a wide variety of vehicles from all over the country to ensure the best quality and value for our customers, all of our cars go through a thorough inspection process and if they do not meet our standards we do not sell them. We endeavour to inform our customers (where possible) the provenance of the vehicle they are buying and as such we will always inform you if the vehicle has previously been either an ex fleet or hire car. Should your vehicle be an ex hire/fleet car please do not be concerned as we would never value this vehicle differently when you come to part exchange it and there is no difference to the CAP valuation either.

You should try and estimate the distance you will travel as accurately as possible to try and avoid excess mileage charges at the end of your contract.

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 Motor Finance are Appointed Representatives of AutoProtect (MBI) Limited for general insurance distribution purposes. Autoprotect (MBI) Limited (FRN 312143) is authorised and regulated by the Financial Conduct Authority. You can check this at www.fca.org.uk.

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 info@hippomotorgroup.com . This does not affect your statutory rights.

We are a broker not a lender and our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB13NU.