How It Works


How can we help you?

Rates from 12.9% APR. Representative APR 18.9%.
We are a credit broker, not a lender.

Vehicle and finance information

How it works, applications and vehicles

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Bad credit and credit scores

Bad credit, IVAs and CCJs

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Eligibility and affordability

Employment, income and documents

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Business finance

Fleets, private hire and tax benefits

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Part exchange

How it works and valuations

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Preparation, extras and aftercare

Health checks, maintenance and warranties

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Delivery and collection

Slots, fees and vehicle collection

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Insurance & road tax

Responsibilities and prices

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Hippo portal

How to use and troubleshooting

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Most popular questions

Car finance is a method of buying a car while spreading the payments, it gives you access to vehicles you wouldn’t be able to buy with cash, and leaves you with a financial asset at the end of your finance agreement. All you have to do is get approved for finance, pick your car and state you contract length; then we’ll take care of the rest!
What is car finance and how does it work?
Yes, even if you have bad credit, you may still be able to get car finance. We work with lenders who specialise in helping those with less than perfect credit. However, if you’ve recently been refused credit, it may be worth looking at other options. Learn more abut bad credit car finance
I have an IVA/CCJ. Can I get car finance? Yes, it is possible to get car finance with an IVA or CCJ, but we can’t guarantee anything. We work with specialist lenders who help people from diverse credit backgrounds. It’s easy to find out if you’ll be approved without it affecting your credit score. Can I get car finance with an IVA or CCJ?
You can complete your initial preapproval application in minutes, which has no impact on your credit score. Once your full application is complete, it’s a case of getting your car ready, completing the paperwork and organising delivery. Depending on the vehicle, it can sometimes take as little as 48 hours if you are collecting the vehicle. Delivery can take a little longer but we aim to get to to you in 7-10 days. Fill out our preapproval application
We offer both new and used cars from various manufacturers, such as popular brands like Ford and niche brands like Infiniti. We also stock electric cars, hybrid cars, automatics and driving instructor cars. Plus, we have a range of vans, such as standard small and large vans to specialist vans. Fill out our preapproval application
Yes, we do sell vans. We have a fantastic range of vans available, all with no deposit and bad credit options. Learn more about bad credit van finance
No, you don’t need to make a deposit on any of our vehicles. While a deposit can be useful and will lower your monthly payments, it’s not a requirement, and we work with several lenders who don’t require one. You will have to pay £49.99 to reserve your car, which is a separate fee. Learn more about no deposit car finance

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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

* Only a soft check is carried out when you complete this finance check which won’t affect your credit score. However, if you choose to proceed and order a vehicle, a full credit check will be carried out.
** Delivery and collection times are dependent on your vehicle being ready when you place your order. If your vehicle is still being prepared then these times may be extended.
*** We offer you a 14 day money back guarantee, meaning you’re not stuck in the remainder of your contract, if you change your mind once you’ve signed your documents. But this is subject to a cancellation fee which is £600.

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 [email protected]. 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%.