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Cheap car finance

Get a cheap car loan with the bad credit specialists

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

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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!
    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. 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.

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 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.

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 amount of credit: . Rate of Fixed Interest: , Amount Repayable: £6,000. 60 month term

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.

Toyota Aygo 1.0 VVT-I X-Play
Toyota Aygo 1.0 VVT-I X-Play 5 Doors Hatchback
Pay NO Deposit
From £117.09
per month incl. vat.
View Deal
Citroen C5 1.6 HDI 16V VTR+
Citroen C5 1.6 HDI 16V VTR+
Pay NO Deposit
From £194.87
per month incl. vat.
View Deal
Peugeot 208 1.6 BlueHDi 100 Allure
Peugeot 208 1.6 BlueHDi 100 Allure
Pay NO Deposit
From £147.94
per month incl. vat.
View Deal
Mercedes-Benz C Class C200 AMG Line
Mercedes C Class C200 AMG Line
Pay NO Deposit
From £309.25
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
Renault Kadjar
Renault Kadjar
Pay NO Deposit
From £257.68
per month incl. vat.
View Deal
BMW 116D 1.5 Sport
BMW 116D 1.5 SPORT 5 Doors Hatchback
Pay NO Deposit
From £251.26
per month incl. vat.
View Deal
Citroen C1 1.0 VTi Feel
Citroen C1 1.0 VTi Feel
Pay NO Deposit
From £127.46
per month incl. vat.
View Deal
BMW X4 XDRIVE20D M SPORT 5DR STEP AUTO
BMW X4 XDRIVE20D M SPORT 5DR STEP AUTO
Pay NO Deposit
From £430.51
per month incl. vat.
View Deal
Mercedes-Benz A180 D 1.5 SE Executive
Mercedes A180 D 1.5 SE EXECUTIVE 5 Doors Hatchback
Pay NO Deposit
From £247.99
per month incl. vat.
View Deal
Renault Kadjar 1.5 dCi Signature Nav
Renault Kadjar 1.5 dCi Signature Nav
Pay NO Deposit
From £329.03
per month incl. vat.
View Deal
No image for
Vauxhall INSIGNIA GS 1.6 TURBO D 136 ECOTEC SRI
Pay NO Deposit
From £240.91
per month incl. vat.
View Deal
Hyundai I10 1.0 SE
Hyundai I10 1.0 SE
Pay NO Deposit
From £152.24
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
Audi A6 2.0 TDI Ultra SE
Audi A6 2.0 TDI Ultra SE
Pay NO Deposit
From £296.68
per month incl. vat.
View Deal
Audi A4 2.0 TDI Ultra SE Technik
Audi A4 2.0 TDI Ultra SE Technik
Pay NO Deposit
From £284.73
per month incl. vat.
View Deal

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 172-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

Trustpilot
"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

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 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.

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