How It Works

Our mission

We love providing people with quality Approved Used cars and finance deals, but why do people with bad credit to financial difficulties have to strive so hard to get a deal?

It doesn’t seem fair to us. Should you be excluded from financing a car because you don’t have a strong financial history?

The answer to that is no. Our rates start from just 12.9% with a representative APR of 18.9%.

We created Hippo Motor Finance with one goal in mind:

Our mission

Our mission
circles circles

What makes us different?

A deposit guarantees a sale for the dealer

We help people with financial difficulties

Whether you have bad credit from missed payments or defaults, or other financial problems such as bankruptcy, DROs, DMPs, IVAs or CCJs; we can help you determine whether you’re eligible for car finance.

A deposit lowers your monthly payments

We work with specialist lenders

Some lenders won’t accept people with bad credit or financial difficulties, but it doesn’t stop dealers from putting applications through. We increase your chance of acceptance by working with specialist lenders.

At HMF, we understand you may be worried about applying because of your financial history, and we’ll do our best to help. 😊

How does car finance with Hippo Motor Finance work?

  • Find your dream car
    Find your dream car

    Browse thousands of new and used vehicles on Hippo Motor Finance to find your dream car! Can’t find what you’re looking for? Then just give us a call.

  • Find your dream car
    Get pre-approved

    Speed up your application and get preapproved for finance by using our FREE soft credit check (with no impact on your credit score*).

  • Find your dream car
    Reserve your car online

    Browse thousands of new and used vehicles on your Hippo Portal to find your dream car! Can’t find what you’re looking for? Then just give us a call

  • Find your dream car
    Start driving

    Either pick up your new vehicle from our Blackburn showroom or have your car delivered to any location in the UK.

The Hippo Motor Finance pledge

Hippo Leasing pledge
  • We take great pride in helping those others won’t

    Bad credit can stop you from driving the car you want. We specialise in bad credit car finance and provide all the advice and support, and we’re confident we’ll be able to help.

  • We offer cheap deals with no deposit

    We collaborate with a variety of lenders who provide excellent deals for individuals with less than perfect credit or other financial challenges. While many of them may ask for a deposit, it’s not always mandatory! You may be able to secure a loan without paying any upfront deposit.

  • You can check your eligibility before you apply

    If you’re worried about acceptance, you can use our eligibility checker to discover whether you’re likely to be accepted. And we’ll tell you within 30 minutes (if you apply in or out of hours)*

*If you haven’t had a decision within that time we will need some more information and someone will be in touch.

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

The perks of financing a car with Hippo Motor Finance:

  • Nationwide delivery

    We’ll deliver your vehicle to any UK-based location in 48 hours.

  • MyHippo Portal

    You can search 1000s of cars and reserve your vehicle in your portal.

  • Car & finance

    Get your car and finance package in one place, no faffing.

  • 14-day money-back guarantee

    We don’t think you’ll need it, but we offer it anyway.

  • Tailored packages

    You pick your contract type, length, deposit and mileage.

  • 130-point inspection

    All our Approved Used vehicles have to pass our check

Over 8,000 deals to choose from

Hear what our customers have to say about us:

View our Trustpilot reviews
  • “Akeem was my account manager and was very helpful with my process. He was able to help me with find me my desired car whilst keeping within my budget. Honestly recommend get your car sourced by him.

    Hippo motor finance have a really quick service I started the process on Monday and by next Tuesday I was collecting the car”

    - - Shanice, 2023
  • “As a first time buyer i never thought i could buy/finance a car and be approved. Tyler helped me with the options i needed to give me a family car which was my main thing! Once the finance was approved it was very quick and delivery was organised quickly also. The response from emails was quickly responded too and in a total took about 3 week from start to finish to having my car delivered.”

    - – Kelsey, 2023

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

* Only a soft check is carried out when you complete this finance check which won’t affect your credit score. However, if you choose to proceed and order a vehicle, a full credit check will be carried out.
** Delivery and collection times are dependent on your vehicle being ready when you place your order. If your vehicle is still being prepared then these times may be extended.
*** We offer you a 14 day money back guarantee, meaning you’re not stuck in the remainder of your contract, if you change your mind once you’ve signed your documents. But this is subject to a cancellation fee which is £600.

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%.