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Bad Credit Car Finance

Bad credit can affect so many people and we at Hippo Motor Finance want to make sure it doesn’t stop those people from driving and owning a car. This is why we offer bad credit car finance to ensure those people get a car and a finance option that is best for them.

Why Choose Hippo Motor Finance For Bad Credit Car Finance?

Our team of trained finance specialists have experience helping people with many different and poorer credit backgrounds get their ideal car by having access to a huge range of lenders that can help finance your car. All that matters to us is that you can pay your monthly payments on the ideal car for you.

We stock all our cars and if you have seen a car you like and want to see if we can get you’re a finance deal that will be suitable for you, then our specialised team can help. Because we stock all our own cars, we also ensure they are fully prepared by putting each one through our state of the art service and repair centre.

We have over 50 years’ experience helping people get the cars they want and we can continue to do that for you. We also accept part exchanged on your own car to help get a better deal for you. There are also no hidden costs so what you pay is all you pay and even better we can deliver your car to anywhere in the UK.

  • Help people with poor credit backgrounds
  • Huge selection of lenders to help people with different credit backgrounds
  • Massive selection of cars available to choose with your finance option
  • Over 50 years’ automotive experience

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Representative Example For Bad Credit Customers: Loan Amount: £7,500, Total Cost Of Credit: £4,328.83, Representative 27.4% APR, Deposit Amount: £0, Loan Term: 48 months. Hippo Motor Finance is a trading style of Hippo Vehicle Solutions Ltd and are a broker, not a lender. Address: Trident Park, Trident Way, Blackburn, BB1 3NU. Contact Number: 01254 919000.

Frequently Asked Questions

What is the difference between APR and Flat Rate?

Flat Rate refers to the total percent of interest charged based upon the initial loan amount. This doesn’t include the other charges included in the total charge for credit.
The APR takes into account interest charged as well as any additional fees (similar to an Arrangement Fee on a mortgage or an Annual Fee on a credit card) you'll have to pay.

Are there any early repayment fees?

No! We don’t charge if you want to repay your loan early.

Are there any administration fees and when do I pay them?

There are no fees for administration! There are no hidden costs, you simply pay for the loan your are taking out for the finance of your car.

How old can a car be that you can finance for me?

Most of the agreements we can finance that will be up to 12 years old at the end of the agreement, but we do have some funders who will consider even older vehicles.

If I’m not on the voters roll, can you help me?

If you’re not on the voters roll but do have traceable credit we can look to help you secure car finance through one of our funders.

How much can I borrow?

We only supply finance from £5,000 for cars no older than 6 years old. The limit that you can personally borrow will depend on a few things including your credit history and your income.

I’m a student can I get finance?

If you’re a student you can still get car finance as you are still likely to have a credit history. We advice you sign up for the Voter Roll for your student accommodation and you can easily change this if and when you move. You will also be aided if you have a full UK driving licence and can prove that you have earnings from a part or full time occupation.

Can I get finance for a mini cab?

We can help finance a mini cab for business.

If I have Bad Credit can I still get car finance?

We can work with customers who have got all kinds of credit backgrounds. The better the credit, the more likely you are to be accepted and the better interest rates you’ll receive but by no means are you ruled out if you have diverse credit.

I want to get car finance for a business car, how long do I need to be trading for?

Businesses need to have been trading for 2 years to be eligible for car finance.

If I’m Self Employed, can I still get Car Finance?

You can still get car finance if you’re self-employed. You will most likely be asked to prove your income with some recent bank statements.

What if I'm not entirely happy with the car?

If you're not happy with the car you don't need to accept it when you have it delivered or collect it. You should however have no issues with your vehicle as your account manager will give you a full history of the vehicle including a confirmation that the car is HPI clear and the service, MOT history (If necessary) as well as any other information.

What condition do the cars come in?

All cars undergo thorough workshop checks and come prepared to BVRLA standards as well as coming fully valeted.

Do the cars come with warranty?

Yes. The majority of cars we have in stock have outstanding manufacturers warranty. If you choose an older vehicle we will prepare the car to our usual high standards and add a complimentary, 3 month fully comprehensive warranty.

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