How It Works

Car with finance

Get a car and finance package with the bad credit specialists

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

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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

Getting a car and finance deal doesn’t have to be difficult, which is why Hippo Motor Finance offers you the chance to get both in one place.

Financing a car can be confusing; some companies offer finance; some companies provide cars. So you’ll often be liaising with several different companies at a time, which can leave you feeling confused.

We aim to simplify the process by offering you a car and a finance package in one. We’re also bad credit specialists, so we work with people who have suffered financial difficulties. Accessing your broker and lender in one place can get you the car and finance package you need to get you on the road.

The Hippo commitment

We want our customers to be able to get a car and finance package in one place at a fair price, so we supply a product and service that allows you to:

  • Search for cars and get preapproved for finance before you begin your full application.
  • Combine your car and finance into one, convenient package so you can save time and money.
  • Avoid the stigma of bad credit borrowing by working with a trustworthy broker and lender.
  • Invest in your future by owning a car that improves your lifestyle and makes you happy.

How to apply 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, 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

What type of finance do you need?

1. Business car finance
When you’re trying to juggle ten different tasks at once, finding a business vehicle or fleet and finance can be a task overload. Talk to us about our business vehicle and finance packages if you want to benefit from consolidation.
2. Personal car finance
Personal car finance is where you lease a car for personal use, and when you lead a busy life, it’s convenient when you have your car and finance in one, easy-to-understand agreement. Get back to living your life; we’ll take care of the rest.

Check Your Credit Score

What are your finance options?

Hire purchase (HP) A loan that allows you to pay a set monthly instalment. Once you’ve paid off the finance, you’ll own the car. A flexible finance agreement that allows you to keep your options open, so you can part-exchange it for a new car or keep driving it.
Personal contract purchase (PCP) A loan that allows you to pay a monthly instalment, except you don’t pay off the full value like HP. You’ll have an option to pay a balloon payment at the end of the agreement if you want to own the car, or hand it back and get a new car.
Personal contract hire (PCH) A loan that allows you to pay a monthly instalment, except you’ll never have the option to own the car. PCH is ideal for people that know they want to finance a car but know they want to swap it for a newer model.

3 benefits of using Hippo to get a car and finance deal

1. Search and apply in one place
Instead of switching around websites and ringing different companies to search for your car and get updates on your finance, we offer a streamlined service, so you can get preapproved for finance and search for your vehicle at the same time!
2. Access the Hippo portal
Once you’ve been accepted for car finance you’ll get exclusive access to the Hippo portal; where you can shortlist your favourite vehicles, get updates on your application progress and contact your dedicated account manager with any queries.
3. Saves time and money
Time is precious, and sometimes you don’t have much when you’re buying a car, especially if you’re being prevented from getting to work or picking your kids up. Our fast service gets you on the road fast, and we offer no deposit deals, so you don’t have to pay a lump sum.

How can Hippo help me get a car and finance with bad credit?

If you’re applying for a car loan and you have bad credit, you’re probably worried about suffering rejection. While we can’t guarantee success, our bad credit specialists will do our best to get you behind the wheel.

With over 50 years’ experience, we help people from all financial backgrounds, and Hippo knows that finding the perfect vehicle at the right price is possible if you use the right company. No jargon. No finance riddles. Straightforward car finance.

Our team has plenty of experience helping people get a car and finance package; you’ll get access to our panel of specialist bad credit lenders – which will increase your chance of acceptance. Start today with our FREE soft credit check that won’t affect your credit score.

Apply nowGet an online decision in minutes

Learn more about car finance

Read our guides on car finance to discover how to finance your new car:

1. 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.
2. How Much Can I Borrow?
Examine the various factors that lenders consider when deciding your loan amount, and get an idea of how much money you can borrow.

Browse our new and used cars

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

We check and test all our vehicles

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 ready to tackle the day as soon as you get behind the wheel.

We deliver

Once you’ve found your ideal car, you can collect it, or we can deliver it to any destination in the UK. If your vehicle is coming from the manufacturer, your delivery time may be longer. All our quick car finance deals come with no hidden costs. What you see is what you pay – avoid the worry and stress of financing your car, and enjoy the pleasure of driving it.

Why our customers trust us with their new car Why our customers trust us with their new car

4 reasons to trust Hippo with your car and finance package

As a responsible broker specialising in working with people who have bad credit, our service is founded on trust. Here are three reasons to have faith in our service.

  • All our cars come with a free 130 point check, and no vehicle leaves our showroom without passing it.
  • We offer a 14-day returns policy, so if you aren’t happy with your vehicle, you can get your money back.
  • If your car isn’t in the manufacturer’s warranty, we’ll offer you a complimentary six-month warranty for extra peace of mind.
  • We offer a 14-day cooling-off period once you’ve signed your contract, so if your circumstances change, you can cancel without suffering any financial penalties.

Apply nowGet an online decision in minutes

"Second time with Hippo. Great super speedy service. Finance decision quickly; car sorted quickly. Delivery arranged quickly. A seamless, hassle-free arrangement from start to finish. All electronic too, so no dramas about ‘signing things’. Definitely recommend. Definitely will use again."
Diane Hardiman | 01/12/2002


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




60 monthly payments


Deposit amount


Loan term

60 months

Flat rate


Total cost of credit


Total amount payable


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. 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. Hippo Vehicle Solutions Limited t/a Hippo 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.

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%.