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Bad credit car finance

Get a car and finance package from the bad credit specialists

Poor credit can impact the likelihood of lenders willing to provide you with a car finance loan.

You may be scared of rejection as a result of your poor credit history, or through not having a credit history that proves you’re a responsible borrower. Hippo doesn’t believe car ownership should feel like a hopeful aspiration, so we take a different approach.

The Hippo commitment:

Everyone should have the opportunity to finance a car regardless of your circumstances – so we provide a product and service that allow you to:

  • Ditch the stigma of bad credit lending by working with responsible, specialist lenders.
  • Invest in your future by purchasing a vehicle that improves your lifestyle.
  • Improve your financial credibility by paying fixed monthly payments that suit your budget.

How to get car finance with bad credit

  • 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
    Find your perfect car.
    Browse over 1000 vehicles, from 4x4 to city cars - you'll find something you love!
    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.

How to improve your chance of acceptance

1. Save a deposit
If you can save before you apply, you’ll increase the chance of a better rate. But don’t worry if you can’t – we offer no deposit finance, too!
2. Speak to your lenders
Don't avoid lenders if you’ve missed payments, they’re more likely to help you to find a solution if you’re proactive and honest.
3. Get a guarantor loan
A guarantor will be liable for payments if you can’t make them. A guarantor poses less risk to a lender which can reduce your interest rate.

How can Hippo help me get accepted for car finance?

You might be trying to finance a car loan with no credit history. Or perhaps you have bad credit but a good income and need to buy a car, but your poor credit history is holding you back – or so you think.

With over 50 years’ experience helping people get the car they want, Hippo knows that finding a vehicle when you have bad credit is possible if you use the right company. No jargon. No finance riddles. Straightforward car finance.

The Hippo team has experience helping people from diverse credit backgrounds get the car they want. Plus, you’ll get access to a vast range of specialist bad credit lenders, which will increase your chance of acceptance. Hit the apply button and use our FREE soft credit check that has no impact on your credit score.

Apply now

Check Your Credit Score

As a responsible broker, we always recommend checking your credit score. However, if you’ve got a history of poor credit, checking your credit score is a task that fills you with fear. But it’s worth it. The following factors could be affecting your credit:

It could be something basic like exceeding your credit card utilisation by 5%.
Financial ties with people who have bad credit, like your children or ex-partner.
Missing payments, even one or two payments will affect your credit score.

Calculate Your Monthly Payments

If you’re confident you can pay your monthly fee and know your credit rating, use the finance calculator below and we’ll give you a rough cost of your credit agreement.

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

Summary

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

Browse 1000s of new & used vehicles

We stock a massive range of new and used cars of various styles and body types, including the world’s leading brands such as BMW and Ford.

Renault Captur 1.5 dCi 90 Dyn S Nav
Renault Captur 1.5 dCi 90 Dyn S Nav
From £194.70
per month incl. vat.
View Deal
Pay NO Deposit
Jeep Renegade 1.6 Multijet Longitude
Jeep Renegade 1.6 Multijet Longitude
From £245.08
per month incl. vat.
View Deal
Pay NO Deposit
Ford Mondeo 2.0 TDCi Zetec
Ford Mondeo 2.0 TDCi Zetec
From £210.02
per month incl. vat.
View Deal
Pay NO Deposit
Hyundai I20 1.2 Blue Drive S Air
Hyundai I20 1.2 Blue Drive S Air
From £168.90
per month incl. vat.
View Deal
Pay NO Deposit
Audi A1 1.4 TFSI Sport
Audi A1 1.4 TFSI Sport
From £212.64
per month incl. vat.
View Deal
Pay NO Deposit
Hyundai i40 1.7 CRDi Blue Drive Active
Hyundai i40 1.7 CRDi Blue Drive Active
From £194.76
per month incl. vat.
View Deal
Pay NO Deposit
Kia Picanto 1.0 65 SE
Kia Picanto 1.0 65 SE
From £165.31
per month incl. vat.
View Deal
Pay NO Deposit
Chevrolet Orlando 2.0 VCDi 163 LT
Chevrolet Orlando 2.0 VCDi 163 LT
From £207.98
per month incl. vat.
View Deal
Pay NO Deposit
No image for Vauxhall Zafira 1.4T Design
Vauxhall Zafira 1.4T Design
From £211.19
per month incl. vat.
View Deal
Pay NO Deposit
Renault Captur 1.5 dCi Dyn MediaNav
Renault Captur 1.5 dCi Dyn MediaNav
From £211.81
per month incl. vat.
View Deal
Pay NO Deposit
Ford C-Max 1.6 TDCi Zetec
Ford C-Max 1.6 TDCi Zetec
From £190.68
per month incl. vat.
View Deal
Pay NO Deposit
Mercedes-Benz C220 BlueTEC SE
Mercedes-Benz C220 BlueTEC SE
From £278.61
per month incl. vat.
View Deal
Pay NO Deposit
Peugeot 208 1.6 BlueHDi 100 Allure
Peugeot 208 1.6 BlueHDi 100 Allure
From £147.94
per month incl. vat.
View Deal
Pay NO Deposit
Volkswagen Touran 2.0 TDI BlueMotion
Volkswagen Touran 2.0 TDI BlueMotion
From £249.24
per month incl. vat.
View Deal
Pay NO Deposit
Land Rover Discovery Sport 2.0 TD4 180 SE Tech Auto
Land Rover Discovery Sport 2.0 TD4 180 SE Tech Auto
From £429.94
per month incl. vat.
View Deal
Pay NO Deposit
Vauxhall Zafira 2.0 CDTi SRi Auto
Vauxhall Zafira 2.0 CDTi SRi Auto
From £249.96
per month incl. vat.
View Deal
Pay NO Deposit

We inspect and test our vehicles

We prepare each car in our state-of-the-art service and repair centre. Our rigorous checks ensure your vehicle is in peak condition, so you’ll feel assured as soon as you get behind the wheel.

We deliver

Once you’ve found your perfect car, you can collect it, or we can deliver it to any destination in the UK. All our bad credit car finance deals come with no hidden costs. What you see is what you pay – avoid the worry and stress of financing your car, and enjoy the pleasure of driving it.

See All Deals
Trustpilot
"I was very apprehensive about applying for car finance due to my credit rating and a CCJ I have had in the past. Hippo was very professional and reassuring and gave me lots of advice and time to think about my options. "
Stephanie Davis | 01/08/2020

Learn More About Car Finance

Read our guides on car finance to discover how you should finance your new car:

Bad Credit History
Bad Credit History
If you've been suffering with a bad credit history, you're in good hands. As bad credit car finance specialists, we understand you still need a reliable vehicle.
> Bad Credit Car Finance
Car Finance Explained
Car Finance Explained
Car finance can be confusing, but luckily we’re on hand to keep things simple. Our expert guide will help explain the finance process.
> Car Finance Explained

FAQs

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