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No deposit car finance

Get a car and finance package without paying a deposit

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

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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!
    We offer 48 hour nationwide delivery! Or, you can pick your car up from our showroom on the same day.

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

 

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.

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

Summary

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

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.

Citroen Grand C4 Picasso 1.6 e-HDi 115 VTR+
citroen Grand C4 Picasso 1.6 e-HDi 115 VTR+

Pay NO Initial Rental
From £237.50
per month incl. vat.
View deal
Vauxhall Corsa 1.3 CDTi ecoFLEX S
vauxhall Corsa 1.3 CDTi ecoFLEX S

Pay NO Initial Rental
From £114.94
per month incl. vat.
View deal
Audi A3 1.6 TDI 110 SE Technik
audi A3 1.6 TDI 110 SE Technik

Pay NO Initial Rental
From £238.17
per month incl. vat.
View deal
Volkswagen Up 1.0 Move Up
volkswagen Up 1.0 Move Up

Pay NO Initial Rental
From £129.60
per month incl. vat.
View deal
Mercedes-Benz C Class C250D AMG Line Auto
mercedes C Class C250D AMG Line Auto

Pay NO Initial Rental
From £423.51
per month incl. vat.
View deal
No image for Vauxhall Zafira 1.4T Design Auto
vauxhall

Pay NO Initial Rental
From £249.24
per month incl. vat.
View deal
Peugeot 108 1.2 VTi Allure
peugeot 108 1.2 VTi Allure

Pay NO Initial Rental
From £159.91
per month incl. vat.
View deal
Mazda5 Special Editions 2.0 Sport Venture Edition
mazda 5 Special Editions 2.0 Sport Venture Edition

Pay NO Initial Rental
From £188.29
per month incl. vat.
View deal
BMW X3 XDRIVE20D M SPORT 5DR STEP AUTO
bmw X3 XDRIVE20D M SPORT 5DR STEP AUTO

Pay NO Initial Rental
From £415.59
per month incl. vat.
View deal
Vauxhall Mokka 1.6i Exclusiv
vauxhall Mokka 1.6i Exclusiv

Pay NO Initial Rental
From £196.29
per month incl. vat.
View deal
Nissan Juke 1.6 Tekna Xtronic
nissan Juke 1.6 Tekna Xtronic

Pay NO Initial Rental
From £207.95
per month incl. vat.
View deal
BMW X4 XDRIVE20D M SPORT 5DR STEP AUTO
bmw X4 XDRIVE20D M SPORT 5DR STEP AUTO

Pay NO Initial Rental
From £430.51
per month incl. vat.
View deal
Mercedes-Benz B200 CDI Sport
mercedes B200 CDI Sport

Pay NO Initial Rental
From £246.51
per month incl. vat.
View deal
Ford Mondeo 2.0 TDCi ECOnetic Zetec
ford Mondeo 2.0 TDCi ECOnetic Zetec

Pay NO Initial Rental
From £224.31
per month incl. vat.
View deal
Vauxhall Astra 1.6 CDTi 16V ecoFLEX 136 Design
vauxhall Astra 1.6 CDTi 16V ecoFLEX 136 Design

Pay NO Initial Rental
From £172.58
per month incl. vat.
View deal
BMW X1 xDrive 18d M Sport
bmw X1 xDrive 18d M Sport

Pay NO Initial Rental
From £238.21
per month incl. vat.
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

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 www.fca.org.uk

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 info@hippomotorgroup.com. This does not affect your statutory rights.

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