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Cheap car finance

Get a cheap car loan 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

Bad credit can leave people wondering whether they should apply for a car loan, but we know you can get cheap car finance even when you’ve suffered financial difficulties.

At Hippo, we offer a car and finance solution, so you can be sure you’re getting the best car and the best finance deal available to you.

We also believe in trying to help people who have fallen on financial hardship or haven’t been able to maintain a good credit score but still want to get a cheap deal. So, we take a different approach.

The Hippo commitment

You should be able to own a vehicle that helps you improve your livelihood while paying an affordable monthly payment. So, we provide a product and a service that allow you to:

  • Ditch the stigma of bad credit borrowing by working with responsible brokers that give you access to the best deals.
  • Invest in your future by buying a car that helps you improve your livelihood.
  • Improve your financial credibility, so you’ll be able to access even cheaper deals in the future.

How to get a cheap car finance deal

  • 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. Personal car finance
What do you use your car for? Taking the kids to school? Road trips? Commuting? We can support your way of life by offering you a cheap personal car finance deal with one simple monthly payment.
2. Business car finance
Whether you need to look professional when turning up to meetings or you need something that lets you get your hands dirty, we have plenty of cheap business vehicles for you to finance.

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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 the option to own the car at the end of the agreement by paying a balloon payment, or hand the car back and get a new one.
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 Motor Finance

1. We’re the bad credit specialists
If you’ve got bad credit, you should work with a specialist broker. As a specialist broker, we work with the best lenders to get bad credit car finance that's tailored to your requirements. If you want to save money, work with the experts.
2. Pay nothing towards your finance for 30 days
As well as offering you loans from bad credit lenders, we offer you the choice of avoiding a deposit – save money in the short-term. No deposit car finance allows you to avoid paying anything towards your finance for 30 days.
3. We keep your monthly payments low
With cars starting at under £200 a month, we work hard to keep your monthly payments low. We also have access to thousands of vehicles, so you’ll never be short of choice; and if you can’t see the car you want, we’ll source it for you!

How can Hippo help me get a cheap car finance deal?

If you’re looking for a cheap car finance deal, you’re probably wondering who’s going to get you the best deal, especially if you have bad credit. Luckily, your bad credit situation may not be as limiting as you think.

With over 50 years’ experience, we help people get the car loan they need, and Hippo knows that finding the perfect vehicle at the right price is easy if you use the right company. No jargon. No finance riddles. Straightforward car finance.

Our team has plenty of experience helping people own a car, and 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

Browse our best cheap car deals

We stock a massive range of new and used cars in various styles and body types, including the world’s leading brands like BMW and Toyota, as well as specialist brands like Infiniti.

We inspect and test 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 be confident getting behind the wheel.

We deliver

Once you’ve found your ideal vehicle, you can collect it, or we can deliver it to any destination in the UK. All our cheap 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

3 reasons to trust Hippo with your new car

As a responsible broker specialising in working with people who have bad credit, we aim to set ourselves up as a trustworthy broker. Here are three reasons to trust our service.

  • All our cars come with a free 130 point check, and no vehicle leaves our showroom without passing it. If the car comes directly from the manufacturer, it will be subject to their assessments.
  • We offer a 14-day money-back guarantee, so if you aren’t happy with your vehicle you can get a refund.
  • As well as your money-back guarantee, you can rest easy knowing you’ll receive an extra six months warranty from Hippo.

Apply nowGet an online decision in minutes

"Had a great experience with Hippo from the get go, assisting me in getting finance – the whole process was easy! I’ve recommended you to my family and they’re busy getting a car deal with Hippo."
Stefan Van Dalen | 17/09/2019


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%.