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Bad credit car finance

Get a car and finance package from the bad credit specialists

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

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Bad credit car finance

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
    Use the Hippo Portal
    to find your car
    Once you've been accepted for finance, you'll get exclusive access to our portal, where you can browse 100s 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.

Bad credit car finance for everyone

Personal car finance
1. Personal car finance
We offer car finance for people from various backgrounds; your credit score doesn’t have to prevent you from getting a personal car loan, so we offer personal car finance agreements tailored to your needs.
Business car finance
2. Business car finance
If you run a business, you’ll be aware that your company has a credit score, too. We understand that businesses can suffer financial hardship that leads to bad credit, so we aim to solve that problem.

Check Your Credit Score

Car finance packages for bad credit customers

HP
Hire purchase
A loan that allows you to pay a set monthly instalment. Once you’ve paid off the finance, you’ll own the vehicle, so you can part-exchange it, either sell it or keep driving it.
PCP
Personal contract purchase
A loan that allows you to pay a monthly instalment, except you don’t pay off the total value like HP. You’ll have an option to pay a balloon payment at the end of the agreement if you want to own the vehicle.
PCH
Personal contract hire
A loan that allows you to pay a monthly installment, except you won't have the option to own the vehicle. PCH is ideal for people that know they want a vehicle but aren’t interested in owning it.

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
*
Amount Repayable:
Representative APR:
Rate of Fixed Interest:
Total Cost of Credit:
Check your eligibility
* Depending on your credit score.

Browse 1000s of used vehicles

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

Hyundai i30 1.4 Active
Hyundai i30 1.4 Active
Pay NO Deposit
From £148.69
per month incl. vat.
View Deal
No image for Audi A5 2.0 35 TFSI Black ED.S-T 2 Doors Coupe
Audi A5 2.0 35 TFSI
Pay NO Deposit
From £522.76
per month incl. vat.
View Deal
Vauxhall Insignia 2.0 CDTi ecoFLEX SRi
Vauxhall Insignia 2.0 CDTi ecoFLEX SRi
Pay NO Deposit
From £219.91
per month incl. vat.
View Deal
Volkswagen Golf 1.6 TDI 110 BlueMotion
Volkswagen Golf 1.6 TDI 110 BlueMotion
Pay NO Deposit
From £222.10
per month incl. vat.
View Deal
Citroen C1 PureTech Feel
Citroen C1 PureTech Feel
Pay NO Deposit
From £140.17
per month incl. vat.
View Deal
Dacia Sandero Stepway 1.5 dCi Laureate
Dacia Sandero Stepway 1.5 dCi Laureate
Pay NO Deposit
From £151.75
per month incl. vat.
View Deal
Seat Leon 1.4 TSI 125 FR
Seat LEON 1.4 TSI 125 FR TECHNOLOGY 5 Doors Hatchback
Pay NO Deposit
From £245.22
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
Audi A4 2.0 TDIe SE Technik
Audi A4 2.0 TDIe SE Technik
Pay NO Deposit
From £244.05
per month incl. vat.
View Deal
Fiat Panda 1.2 Pop
Fiat Panda 1.2 Pop
Pay NO Deposit
From £141.23
per month incl. vat.
View Deal
Vauxhall Zafira 1.8i Design Nav
Vauxhall Zafira 1.8i Design Nav
Pay NO Deposit
From £172.58
per month incl. vat.
View Deal
No image for Land Rover Range Rover Evoque 2.0 TD4 180 SE
Land Rover Range Rover Evoque
Pay NO Deposit
From £427.75
per month incl. vat.
View Deal
No image for Vauxhall Zafira 1.4T Design
Vauxhall Zafira 1.4T Design
Pay NO Deposit
From £211.19
per month incl. vat.
View Deal
Ford Mondeo 2.0 TDCi Zetec
Ford Mondeo 2.0 TDCi Zetec
Pay NO Deposit
From £210.02
per month incl. vat.
View Deal
Vauxhall Astra 2.0 CDTi 1.6V SRi [165]
Vauxhall Astra 2.0 CDTi 1.6V SRi [165]
Pay NO Deposit
From £143.70
per month incl. vat.
View Deal
Vauxhall Meriva 1.4i 16V Tech Line
Vauxhall Meriva 1.4i 16V Tech Line
Pay NO Deposit
From £144.04
per month incl. vat.
View Deal

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. 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.

Why is my credit score low?

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:

Why is my credit score low?

Credit utilisation

You could be missing something basic like exceeding your credit card utilisation by 5%.

Ties to other people

Ties with other people who have fallen into bad credit, such as your children or an ex-partner.

Missing payments

Missing payments, even one or two payments will affect your credit score.

How to improve your chance of acceptance

Save a deposit
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!
Speak to your lenders
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.
Get a guarantor loan
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 bad credit vehicle finance?

How can Hippo help me get accepted for bad credit vehicle 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

3 benefits of using Hippo for bad credit car finance

We’re specialists
1. We’re specialists
If you’ve got bad credit, CCJs, IVAs or any other financial difficulties, you should work with a specialist broker. As a specialist broker, we work with the best lenders to get bad credit car finance that's tailored to your requirements.
Pay nothing for 30 days
2. Pay nothing for 30 days
As well as offering you loans from bad credit lenders, we offer you the choice of avoiding a deposit – save money in the short-term. No deposit car finance allows you to avoid paying anything towards your finance for 30 days.
We keep your monthly payments low
3. We keep your monthly payments low
We work hard to keep your monthly payments low even if you have bad credit. We have access to thousands of vehicles, so you’ll never be short of choice, and if you can’t see the car you want, we’ll source it for you!
Why our customers trust us with their new car Why our customers trust us with their new car

Why our customers trust us with their new car

If you’ve got bad credit or have financial difficulties, the last thing you want is to get stuck with a car you don’t like or one that needs expensive repairs. All our car finance packages come with these features as standard, so you can relax knowing you’re getting a reliable vehicle.

  • All our cars come with a free 172-point check, and no vehicle leaves our showroom without passing it. If the car comes directly from the manufacturer, it will be subject to their assessments.
  • We offer a 14-day money-back guarantee, so if you aren’t happy with your vehicle you can get a refund.
  • As well as your money-back guarantee, you can rest easy knowing you’ll receive an extra six months warranty from Hippo.

Apply nowGet an online decision in minutes

Hear from some of our bad credit customers

Hear from some of our bad credit customers

Had a great experience with Hippo from the get go, assisting me in getting finance – the whole process was easy! I’ve recommended you to my family and they’re busy getting a car deal with Hippo.

Stefan Van Dalen | 17/09/2019

Helpful and useful guides

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

What is a credit score and how does it affect a car finance application?

What is a credit score & how does it affect a car finance application?

How do I check my credit score before applying for a car loan?

How do I check my credit score before applying for a car loan?

What credit checks are done for car finance and will I get accepted?

What credit checks are done for car finance and will I get accepted?

What is car loan eligibility?

What is car loan eligibility?

FAQs