Phone lines open today until 7pm
01254 956777
How It Works Apply Now
Check your eligibility with an online decision
Apply Now!

Bad Credit Car Finance

Because Everyone Should Be Able to Own a Car

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 own 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 the perfect vehicle at the right price is easy 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. Whatever your situation, we can help.

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.

Ready to 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.

Ford Grand C-Max 1.5 TDCi Zetec
Ford Grand C-Max 1.5 TDCi Zetec
From £251.11
per month incl. vat.
View Deal
Pay NO Deposit
SEAT Leon 1.6 TDI SE
SEAT Leon 1.6 TDI SE
From £214.71
per month incl. vat.
View Deal
Pay NO Deposit
Vauxhall Mokka 1.6i Exclusiv
Vauxhall Mokka 1.6i Exclusiv
From £196.29
per month incl. vat.
View Deal
Pay NO Deposit
Audi A3 2.0 TDI S Line S Tronic [Nav]
Audi A3 2.0 TDI S Line S Tronic [Nav]
From £262.03
per month incl. vat.
View Deal
Pay NO Deposit
Honda Jazz
Honda Jazz
From £149.00
per month incl. vat.
View Deal
Pay NO Deposit
Jaguar F-Pace 2.0d R-Sport Auto AWD
Jaguar F-Pace 2.0d R-Sport Auto AWD
From £611.77
per month incl. vat.
View Deal
Pay NO Deposit
Nissan Qashqai 1.2 DiG-T N-Connecta
Nissan Qashqai 1.2 DiG-T N-Connecta
From £238.01
per month incl. vat.
View Deal
Pay NO Deposit
Merces-Benz E220 CDi BlueTec SE
Merces-Benz E220 CDi BlueTec SE
From £290.86
per month incl. vat.
View Deal
Pay NO Deposit
Vauxhall Mokka 1.6 CDTi Exclusiv
Vauxhall Mokka 1.6 CDTi Exclusiv
From £219.23
per month incl. vat.
View Deal
Pay NO Deposit
Honda Civic 1.6i-DTEC S
Honda Civic 1.6i-DTEC S
From £252.04
per month incl. vat.
View Deal
Pay NO Deposit
Ford Grand C-Max 1.6 TDCi Zetec
Ford Grand C-Max 1.6 TDCi Zetec
From £234.60
per month incl. vat.
View Deal
Pay NO Deposit
Citroen DS3 1.2 PureTech DStyle Plus
Citroen DS3 1.2 PureTech DStyle Plus
From £181.98
per month incl. vat.
View Deal
Pay NO Deposit
Renault Kadjar 1.5 dCi Signature Nav
Renault Kadjar 1.5 dCi Signature Nav
From £329.03
per month incl. vat.
View Deal
Pay NO Deposit
Vauxhall Insignia 1.6 CDTi SRi Nav Auto
Vauxhall Insignia 1.6 CDTi SRi Nav Auto
From £249.22
per month incl. vat.
View Deal
Pay NO Deposit
Seat Ibiza 1.2 S
Seat Ibiza 1.2 S
From £157.40
per month incl. vat.
View Deal
Pay NO Deposit
Peugeot 108 1.0 Active 3dr
Peugeot 108 1.0 Active 3dr
From £129.86
per month incl. vat.
View Deal
Pay NO Deposit

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.

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

Like us on Facebook Follow us on Twitter Join us on Google+