How It Works

Vehicle and finance information

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

Car finance is a method of buying a car while spreading the payments. It gives you access to a vehicle you may not otherwise be able to afford upfront. It’s a simple process; 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?
You can complete your initial application in minutes. And we always aim to get your finance approval the same day. Once that’s in place, 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 from application to delivery. Begin your preapproval application
You can still get car finance with us if you have good credit, we work with bad credit lenders but we also work with top-tier lenders who provide the best interest rates for people with good credit.
Our car finance agreements last between 12-60 months, but our most common contracts are 36-48 months. Find a car
We have over 1000 approved used vehicles in stock at our state-of-the-art showroom in Lancashire. But if you can’t see what you’re looking for on our website, we’re happy to source it for you. Find a car
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. Learn more about van finance
You can finance for a van, for business or personal use. We offer bad credit and no deposit options on all our vans, and stock vans of all sizes from all the best manufacturers Learn more about van finance
We'll all have to drive electric vehicles at some point, so we're helping the nation get started. That's why we offer electric vehicles from all the biggest manufacturers. And we offer no deposit and bad credit deals on all our electric vehicles. Learn more about electric car finance
Yes, you can take out a hire purchase agreement – you’ll be the legal owner of the car at the end of your contract. What is hire purchase and how does it work?
No, we only offer finance on cars and vans, because we provide our customers with the chance to get those vehicles and a finance agreement in one hassle-free package.
Not if you’re taking out a hire purchase agreement as you’ll own the car at the end of the deal. If you’re arranging a personal contract purchase or personal contract hire agreement, you’ll be subject to mileage conditions. What is hire purchase and how does it work?
If the car is not up to your satisfaction upon arrival, you can reject it there and then. We also offer a seven-day money-back guarantee on all our vehicles, and you have a 14-day cooling-off period with your lender. If you change your mind after seven days have passed, you can cancel it. However, cancellation charges may apply. Find a car
No, we can complete your application online or over the phone, or a mixture of both. We ensure all data is safe and all transactions are secure. You can come and collect your vehicle from our showroom in Lancashire, or we can deliver it to your door. Find a car
It depends on whether you buy new or used. Our in-stock used vehicles can be with you in a matter of days, while new cars will have some lead time on them as the manufacturer will need to produce and deliver them. Find a car
If you can’t make your payments for whatever reason, you need to let your lender know as soon as possible. They’ll see if they can help and let you know what to do next. The earlier you contact your lender, the more options you have.
Yes, you can settle your finance agreement early; however, it may cost you to do so. Check your contract before settling your finance to see if it comes with any early repayment charges.

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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%.