How It Works

Preparation, extras and aftercare

The Hippo 130-pre-purchase check is an inspection we conduct on all our vehicles. It ensures all parts are in working condition and that there’s no damage to the car that could put your safety at risk. Also, you want a vehicle that doesn’t come with issues – which our test will take care of.
If your vehicle requires servicing in under six months or 6,000 miles, we’ll do it before collection/delivery. Should it be greater than that, we’ll do a health check instead. If you’d like to know more about your vehicle’s service history, ask your account manager before buying the car, or look for its service booklet if you already have the car.
We offer maintenance packages, but we tailor them to every car, so you get the best care available. Speak to your account manager if you’d like to add a maintenance package to your agreement, and they’ll give you specifications and a price.
All our used cars come with a complimentary three-month warranty to give you complete peace of mind. If you buy a new or nearly-new car, you’ll benefit from the balance of the manufacturer’s warranty.
If you have a problem with your car and it’s under warranty, you can take it to a VAT approved garage and either the manufacturer or we’ll cover the cost, either by card or bank transfer. If it isn’t under warranty, you’ll have to take care of the repairs. Hippo Help page
If you have any questions surrounding your warranty, you can either speak to us via our Hippo Help page or consult your warranty’s terms and conditions, which we sent via email when you took out a policy. Hippo Help page
You can choose to extend your warranty if you wish. It’s beneficial if you’re leasing or buying a used vehicle or one which doesn’t come with a manufacturer’s warranty. By extending your warranty, you can secure complete peace of mind motoring for the entirety of your vehicle ownership. Speak to your account manager for more information about extending your warranty and how much it will cost.
Tyres and brake pads aren’t covered in your warranty because we class them as wear and tear. Tyres and brake pads are, however, covered in a maintenance package.
Yes. Your warranty covers diagnostics charges on authorised repairs
We offer a 14-day money-back guarantee on all our vehicles. If you’re not happy, you can return it. If you change your mind after that, you may be able to part exchange your vehicle depending on your contract or hand it back. That is down to your finance company’s terms.
Yes, we offer a 14-day money-back guarantee on all our vehicles. That means if you don’t like your new car after it’s delivered, as long as you let us know within the first fourteen days, you can return it. If it’s after the first fourteen days, you’ll have to speak to your lender if you wish to return it.
The 14-day money-back guarantee is in place to make sure you’re happy with your new car after it's delivered. If there’s a problem that can’t be fixed or if you don’t like your new car, let us know within the first fourteen days, and we’ll organise a return and refund.
Responsibility for servicing and MOT is yours. If you’re buying a new car, you won’t need an MOT for three years as they’re exempt, but any vehicle older than three years requires an MOT. While servicing isn’t a legal requirement, we’d advise owners to keep their cars in the best condition they can to avoid breakdowns and depreciation. Also, if you lease your vehicle, you’re contractually obliged to service the vehicle.
New cars don’t require an MOT for the first three years, but if your vehicle is older than that when we deliver it, it’ll come with at least six months MOT. Check your MOT status online
Ask your account manager when you’re progressing through your application, or you can check your MOT status online. Check your MOT status online
You can use a different garage for repairs, services and MOTs if you can’t get to our state-of-the-are preparation centre in Lancashire.
We charge an admin fee of £69.99 to produce the relevant vehicle documentation and reserve the vehicle in your name.
Yes, if you want to buy a car, we always ask that you reserve it. That way, you know it’s yours, you can take your time to read through your finance and vehicle documentation, and you’re never left disappointed.
Yes, you do have to pay to secure your vehicle. We take a £294 processing fee when finance is approved on a new car and a £69.99 fee to reserve a used car. Neither of these costs goes towards the cost of your finance agreement.
Unfortunately, your reservation fee is non-refundable. So, if you choose to cancel after you’ve paid your reservation fee, you won’t receive a refund.
No, your reservation fee isn’t the same as your deposit. Your reservation fee is to secure your vehicle, whereas your deposit goes towards your finance cost. You pay the reservation fee before you pay your deposit.
Guaranteed asset protection is a safety buffer for the event of your car being written off or stolen. Often, the insurance payout doesn’t cover the full finance amount, which means you may still owe finance on the car after receiving your insurance payout. GAP exists to ensure you can cover the cost with an additional payment.

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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%.