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Car finance checker

Check your car finance eligibility with our FREE soft credit search

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

Get Started

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

Get Started

We aim to make the process of getting a car finance package easy if you have bad credit or have suffered financial difficulty, and we want to do it in the quickest way possible.

Read our four-step process and then get the process underway by by filling in our quick application form, that won’t affect your credit rating!

All you need to get started is:

  • Your name, number and email address
  • Your last three years employment details
  • Your last three years worth of addresses

How to check whether you’re eligible for car finance

  • 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 My Hippo app to find your car
    Once you’ve been accepted for finance, we’ll get in touch to discuss your options and give you access to the exclusive myHIPPO app where you can browse 1000’s of vehicles and reserve your dream car online or over the phone!
    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.

Why should you use Hippo to check your eligibility?

1. It’s fast, safe and won’t affect your credit score
Our eligibility checker gives you a result within the hour, so you aren’t waiting around for confirmation. Our application is also secure, so your data won’t be abused. And the best thing? There’s no impact on your credit, so an application with us won’t harm your profile.
2. We’re the bad credit specialists
If you think you might struggle to get credit you’re in the right place to check your eligibility. Hippo works with specialist bad credit lenders that are considerate of your circumstances and aim to get you the best deal possible.
3. We promote a low-pressure, supportive service
We’re a family-run business, so we pride ourselves on values like trust, honesty and integrity. It isn’t only about determining eligibility; we offer genuine support throughout the process in the shape of a helpful account manager.

Hippo helped me keep my car finance payments low

I made my initial enquiry not thinking I would even be accepted for credit – with a default on my file from years ago.

James was friendly and not pushy at all. He managed to secure me a deal at 12% interest, which is almost as good as a normal good credit deal.

James listened to the fact I wanted to keep my costs down, and he was very patient asking every single little question – back and forth by email, finding out all the details for me.

"Very happy to have my car delivered on a great deal with low monthly payments from a reliable company."

- Marissa Freeman, December 2020

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


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.

Rep example: Representative APR: , Cash Price: , Deposit: £0, Total Cost of Credit: . Rate of Fixed Interest: , Amount Repayable: . Month Term


Representative Example of Credit

We expect more than 51% of our customers to achieve this rate.

Balance to finance Term of agreement Monthly payments Deposit Total amount of credit Total amount payable Option to purchase fee Fixed APR Representative
£12,000.00 60 months £290.01 £0.00 £12,000.00 £17,400.60 £50.00 16.9% APR 16.9% APR

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 t/a Hippo Motor Finance is authorised and regulated by the Financial Conduct Authority. FRN 658076. 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 fixed commission calculated by reference to the vehicle model, product or amount you borrow, for introducing you to a lender but this does not affect the interest charged on the agreement, all of which are set by the lender. Images for illustrative purposes only. Hippo Vehicle Solutions t/a Hippo Motor 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

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 This does not affect your statutory rights.

Our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB1 3NU.