COVID-19 Update: We are OPEN for business but our showroom is closed due to government protocols around Covid-19. Our account managers are working via phone, email, live chat and are conducting deliveries and handovers with strict social distancing in place and all cars are fully sanitised. Find Out More
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.
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.
Nobody knows whether they’ll be accepted for car finance, but certain factors contribute to acceptance, like a good credit score. However, having a bad credit score doesn’t mean you’ll be rejected. Use our soft credit search tool to discover whether you’ll be accepted.
How much you can borrow depends on your circumstances. It’s something the finance company decides, and it’s not solely dependent on one thing. When determining how much you can borrow, a finance company will look at many characteristics, such as how much you earn, what other bills you have, and your overall credit file, and make a decision based on that information. By submitting a soft finance check, you can determine how much each lender would allow you to borrow.
Anyone can use our car loan eligibility checker. We support young families, elderly citizens, young drivers, part-time workers and people with limited or bad credit history. We also help businesses and individuals, so you can use the checker if you need business car finance. You can’t use the eligibility checker if you’re under 18.
Soft credit checks aren’t available for companies to see, so they don’t affect your score. Hard credit checks are there for all companies to see, so they do affect your score. When you apply for car finance, you should go through a soft credit check first, but be wary because some companies don’t offer them.
As well as your credit checks, lenders will check employment history, address history, proof of income, driver’s license and proof of identity.
If you decide to go ahead with a full application, you’ll be subject to a hard credit check, which could affect your credit score.
We aim to let you know if you’ve been accepted within 24 hours, although it’s usually faster than that. If you submit your application outside of office hours or at the weekend, it can take a little longer, but we always try to let you know the next working day.
After you’ve been accepted, you’ll be sent a unique link to our online vehicle portal. That’s where you can log-in and browse the vehicles which suit your finance acceptance and deals that are personalised to your circumstances. You’ll also receive a call from your account manager who’ll go through the next steps with you and answer any questions you have.
If we approve you, you must buy your car with us. We have thousands of vehicles from various manufacturers, as well as specialist vehicles and vans. And if you can’t find the make or model you want, we’ll source it for you! We’ll get you behind the wheel of your dream car.
Our showroom is closed closed due to government protocols around Covid-19 but we are still OPEN for business via phone, email, live chat and are conducting deliveries and collections with strict social distancing in place and all cars are fully sanitised