Register to vote
If you’re not signed up on the electoral register, you may have difficulty in getting yourself credit. You can register online at Gov.uk or by post, this will then make things easier for you in terms of credit.
Check your file before major applications
It’s always the best to check your credit file before applying for any finance, even if you’ve had any issues in the past. There can be a number of errors which can then lead to you having quite a weak application. You can check your credit rating on websites such as Expedia, Callcredit and Equifax.
Keep up with payments
This is possibly the most obvious and most important tip in regards boosting your credit score. If you are missing payments or paying them later than their due date, this results in your credit rating decreasing and therefore there’s the stress of you possibly not being accepted.
Keep finances separate
When sharing a house with friends or for university, you sometimes end up entering a shared finance agreement – you should really avoid doing this. If you do this, you’ll end up being associated with them in later life and if they have issues financially, this could potentially bring you down and affect your credit rating.
Limit the amount of applications you make
When you make an application, the companies tend to do a credit check which will then be shown on your credit report, it leaves a foot print. This will then send alerts that you are pretty desperate for finance and
Close any unused accounts
Make sure you close any unused accounts you may have as lenders tend to consider the amount of credit you have access to. You have to do this by contacting the provider as cutting them up will not work.
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. 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. All offers are subject to change at any time and are subject to finance approval.
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 firstname.lastname@example.org . 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.