Phone lines open today until 7pm
01254 956777
How It Works Apply Now

Car with finance

Get a car and finance package with the bad credit specialists

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

Get Started

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, you'll get 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.

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.

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.

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.

July Special Offer July Special Offer
Volkswagen Passat 1.6 TDI SE Business
Volkswagen Passat 1.6 TDI SE Business
Pay NO Deposit
From £258.50
per month incl. vat.
View Deal
Land Rover Discovery Sport 2.0 TD4 180 SE Tech
Land Rover Discovery Sport 2.0 TD4 180 SE Tech
Pay NO Deposit
From £346.53
per month incl. vat.
View Deal
Ford Focus 1.6 TDCi Edge ECOnetic
Ford Focus 1.6 TDCi Edge ECOnetic
Pay NO Deposit
From £166.71
per month incl. vat.
View Deal
Honda Jazz 1.3 EX Navi CVT
Honda
Pay NO Deposit
From £198.94
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 Deposit
From £188.29
per month incl. vat.
View Deal
Seat Leon 1.6 TDI SE DSG
Seat Leon 1.6 TDI SE DSG
Pay NO Deposit
From £299.77
per month incl. vat.
View Deal
Toyota Verso 1.6 V-matic Icon
Toyota Verso 1.6 V-matic Icon
Pay NO Deposit
From £284.72
per month incl. vat.
View Deal
Chevrolet Orlando 2.0 VCDi 163 LT
Chevrolet Orlando 2.0 VCDi 163 LT
Pay NO Deposit
From £207.98
per month incl. vat.
View Deal
Seat Ibiza 1.2 S
Seat Ibiza 1.2 S
Pay NO Deposit
From £157.40
per month incl. vat.
View Deal
Fiat 500 1.2 Lounge
Fiat 500 1.2 Lounge
Pay NO Deposit
From £158.88
per month incl. vat.
View Deal
BMW 520d SE
BMW 520d SE
Pay NO Deposit
From £301.42
per month incl. vat.
View Deal
Fiat 500 1.2 Pop
Fiat 500 1.2 Pop
Pay NO Deposit
From £141.45
per month incl. vat.
View Deal
Kia Picanto 1.0 65 1
Kia Picanto 1.0 65 1
Pay NO Deposit
From £141.12
per month incl. vat.
View Deal
Volkswagen Up 1.0 Move Up
Volkswagen Up 1.0 Move Up
Pay NO Deposit
From £122.89
per month incl. vat.
View Deal
Skoda Yeti Outdoor 2.0 TDI CR SE
Skoda Yeti Outdoor 2.0 TDI CR SE
Pay NO Deposit
From £188.29
per month incl. vat.
View Deal
Vauxhall Mokka 1.6 CDTi ecoFLEX Tech Line
Vauxhall Mokka 1.6 CDTi ecoFLEX Tech Line
Pay NO Deposit
From £189.49
per month incl. vat.
View Deal

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 172-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

Trustpilot
"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

FAQs

Representative Example of Credit

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

Loan Amount Total Cost of Credit Representative APR 60 Monthly Payments Deposit Amount Loan Term Total Amount Payable
£7,500 £3831 19.1% APR £188.85 £0 60 Months £11,331

All offers are subject to change at any time, you must be 18 or over and finance is subject to status, vehicle availability and terms and conditions apply. We can introduce you to a limited number of finance companies, a commission may be received. Failure to maintain payments may result in termination of your agreement and the vehicle being returned, this could affect your credit rating and make it more difficult to obtain credit in the future. All prices correct at time of publication.

We purchase a wide variety of vehicles from all over the country to ensure the best quality and value for our customers, all of our cars go through a thorough inspection process and if they do not meet our standards we do not sell them. We endeavour to inform our customers (where possible) the provenance of the vehicle they are buying and as such we will always inform you if the vehicle has previously been either an ex fleet or hire car. Should your vehicle be an ex hire/fleet car please do not be concerned as we would never value this vehicle differently when you come to part exchange it and there is no difference to the CAP valuation either.

You should try and estimate the distance you will travel as accurately as possible to try and avoid excess mileage charges at the end of your contract.

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 Motor Finance are Appointed Representatives of AutoProtect (MBI) Limited for general insurance distribution purposes. Autoprotect (MBI) Limited (FRN 312143) is authorised and regulated by the Financial Conduct Authority. 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.

We are a broker not a lender and our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB13NU.