How It Works

No deposit car finance

Get a car and finance package without paying a deposit

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

Get Started

Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender. *a hard search will be performed if you decide to proceed


Deposits can strike fear into the eyes of people that don’t have a big chunk of cash to invest in a new motor, especially if you’ve got bad credit or have suffered other financial difficulties.

But there’s no reason to be intimidated by large deposits when it comes to financing a car.

If you’ve been saving for a deposit for a new car to no avail – stop doing it. Why? Because you don’t need one.

The Hippo Commitment

We believe everyone should be able to get the car they want without having to save for months to pay a small chunk of it off. Hippo Motor Finance takes a fresh approach to car finance by releasing you from that financial burden. Our service allows you to:

  • Invest in your future by purchasing a vehicle that improves your lifestyle.
  • Beat the system by avoiding lenders and dealerships that want you to pay a deposit you don’t have.
  • Work with lenders that specialise in helping people with poor credit and low or no deposit.
  • Get access to the best cheap car finance deals with no deposit.

How to get a car finance deal with no deposit

  • 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, your dedicated account manager will give you exclusive access to our portal, where you can browse 1000’s of vehicles and reserve your dream car
    Step 2
  • Step 3
    Step 3
    Drive away in your dream car!
    Collect your car within 48 hours from one of our showrooms or arrange nationwide delivery to your door!

Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender.

*a hard search will be performed if you decide to proceed

3 benefits of using Hippo

1. Pay nothing for 30 days after signing your agreement
Avoid payments for 30 days – giving you time to save for your first instalment.
2. We help bad credit customers
We specialise in helping bad credit customers, so you can get an agreement that helps you build a better credit score.
3. We keep your monthly payments low
We work with responsible lenders that offer competitive rates, so we can keep your payments low even if you don’t pay a deposit.

How can Hippo help me get cheap car finance with no deposit?

Perhaps you’ve got better things to save your money for, or you’ve maxed out at the end of the month and can’t afford to save much. Whatever your circumstances, we can help you.

With over 50 years’ experience helping people get the car they want, Hippo knows that finding the perfect vehicle without a deposit is a cinch if you use the right broker. No judgement. No catch. Straightforward car finance with no deposit.

Our team has experience helping people from diverse financial backgrounds get the car they want. Plus, you’ll get access to a vast range of specialist lenders who understand your position, so no deposit or bad credit isn’t an issue. Hit the apply now button and get a FREE soft credit check with no impact on your credit score*.

Apply now

*We are a credit broker, not a lender. When a finance application is being considered we will perform a hard credit search.

Check Your Credit Score

As a responsible broker, we always recommend checking your credit score. It doesn’t matter whether you put down an initial deposit or not, your credit score will still affect your monthly payments. It’s much better to have a positive credit score, but we also offer bad credit car finance to customers who think they might struggle to get a deal. You can do a FREE soft credit check with us that won’t affect your credit score, but if you decide you want to pursue the deal you should consider a couple of things:

Have you made any other applications in recent months and how much were they? For example, a mortgage would be more significant than a credit card.
What’s your credit history like? Have you got any defaults or a poor credit history? The repercussions could be serious if you don’t pay your monthly payments.

Our best cheap car finance deals with no deposit

We stock a massive range of new and used cars of various styles and body types, including the world’s leading brands such as Mercedes-Benz and Toyota.

No image for BMW X4
bmw X4 xDrive 20d MHT M Sport 5dr Step Auto

Pay NO Initial Rental
£30,290
Or only £459.95 per month
View deal
Nissan Leaf (New)
nissan Leaf

Pay NO Initial Rental
£11,350
Or only £159.95 per month
View deal
Audi Q4 E-Tron
audi Q4 150kW 40 82kWh S Line 5dr Auto

Pay NO Initial Rental
£29,000
Or only £399.95 per month
View deal
No image for Nissan Leaf
nissan Leaf 10 150ps 40 kWh Auto

Pay NO Initial Rental
£12,250
Or only £149.95 per month
View deal
No image for BMW X3
bmw X3 xDrive20i M Sport 5dr Step Auto

Pay NO Initial Rental
£21,220
Or only £299.95 per month
View deal
No image for Nissan Juke
nissan Juke Tekna 1.6 Xtronic

Pay NO Initial Rental
£13,300
Or only £239.95 per month
View deal
BMW X3 (New)
bmw X3

Pay NO Initial Rental
£20,350
Or only £299.95 per month
View deal
Audi Q5
audi Q5 45 TFSI Quattro S Line 5dr S Tronic

Pay NO Initial Rental
£24,470
Or only £349.95 per month
View deal
Audi A1
audi A1 30 TFSI 110 S Tronic S Line

Pay NO Initial Rental
£18,750
Or only £279.95 per month
View deal
Vauxhall Astra (New)
vauxhall Astra

Pay NO Initial Rental
£8,950
Or only £149.95 per month
View deal
Audi Q3
audi Q3 35 TDI S-Line 5dr S Tronic

Pay NO Initial Rental
£23,820
Or only £359.95 per month
View deal
No image for Nissan Juke
nissan Juke 1.0 DiG-T 114 N-Connecta

Pay NO Initial Rental
£13,000
Or only £199.95 per month
View deal
No image for BMW 5 Series
bmw 5 Series 530e M Sport 4dr Auto

Pay NO Initial Rental
£30,220
Or only £449.95 per month
View deal
No image for Nissan Juke
nissan Juke 1.0 DIG-T 114 Visia

Pay NO Initial Rental
£13,250
Or only £199.95 per month
View deal
Audi Q4 E-Tron
audi Q4 125kW 35 55.52 kWh Sport 5dr Auto

Pay NO Initial Rental
£26,820
Or only £379.95 per month
View deal
No image for BMW 8 Series
bmw 8 Series 840i sDrive M Sport 4dr Auto

Pay NO Initial Rental
£33,305
Or only £489.95 per month
View deal

We inspect and test all our cars

Regardless of whether you pay a 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.

We deliver

Once you’ve found your perfect car, you can collect it, or we can deliver it to any destination in the UK. All our no deposit car finance deals come with no hidden costs. What you see is what you pay – avoid the worry and stress of paying a hefty deposit, and enjoy the pleasure of driving your new car.

Trustpilot
"Due to my current financial situation, going self-employed, I was unable to put down a deposit. I dealt with a helpful man called Cameron who found me a great car that fitted my circumstances."
Christopher Verrinder | 31/07/2020

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

Representative Example of Credit

Based on a Hire Purchase (HP) agreement. We expect more than 51% of our customers to achieve this rate.

Loan amount

£7500

APR

18.9%

60 monthly payments

£188.16

Deposit amount

£0

Loan term

60 months

Flat rate

10.1%

Total cost of credit

£3789.60

Total amount payable

£11289.60

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 Limited t/a Hippo Finance is authorised and regulated by the Financial Conduct Authority. FRN 658076, you can check this at www.fca.org.uk. Company number 06215364, registered company address – Unit 26, Trident Park, Trident Way, Blackburn, BB13NU. 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 commission for introducing you to a lender, the commission we receive may be preset but can vary and impact the amount payable. Images for illustrative purposes only.

* Only a soft check is carried out when you complete this finance check which won’t affect your credit score. However, if you choose to proceed and order a vehicle, a full credit check will be carried out.
** Delivery and collection times are dependent on your vehicle being ready when you place your order. If your vehicle is still being prepared then these times may be extended.
*** We offer you a 14 day money back guarantee, meaning you’re not stuck in the remainder of your contract, if you change your mind once you’ve signed your documents. But this is subject to a cancellation fee which is £600.

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 [email protected]. This does not affect your statutory rights.

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

When completing an application on this site we will automatically check your eligibility across a range of finance & leasing products to provide you with the best selection of options that we can. Below is a Representative Examples of our HP finance options for comparison, we expect more than 51% of customers to achieve the rates shown.

Representative Example Of Credit (Hire Purchase)
Hire Purchase (HP) Finance Example: Cash Price £12,480.00 Total Deposit £1,140.00. Total Amount of Credit £11,340.00. 60 monthly repayments of £284.50. Interest Charges of £5,730.00 Total Amount Payable £18,309.00. Annual Fixed Interest Rate of 11.1%. Representative APR 18.9%.