Phone lines open today until 7pm
01254 956777
How It Works Apply Now
COVID-19 Update: We are OPEN for business but our showroom is closed due to government protocols around Covid-19. Our account managers are working via phone, email, live chat and are conducting deliveries and handovers with strict social distancing in place and all cars are fully sanitisedFind Out More

How It Works

Hassle-free car finance for everyone - we're your bad credit specialists!

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

Get Started

We aim to make the process of getting a car finance package easy if you have bad credit or have suffered financial difficulty, and we want to do it in the quickest way possible.

Read our four-step process and then get the process underway by by filling in our quick application form, that won’t affect your credit rating!

All you need to get started is:

  • Your name, number and email address
  • Your last three years employment details
  • Your last three years worth of addresses

How to get car finance with bad credit

  • Step 1
    Step 1
    Free credit acceptance check - with no impact on your credit score
    Free credit acceptance check - with no impact on your credit score
  • Step 2
    Search for your perfect car

    New & Used Deals On Hippo Approved Cars. Browse cars from the world’s most renowned car manufacturers. We’ve got the car that’ll enhance your lifestyle.

    Step 2
  • Step 3
    Step 3
    Drive away in your dream car!

    Showroom Pickups or Nationwide Deliveries. Once you’re approved and you’ve picked your car, it’s time to get you behind the wheel – you’ll be driving within 48 hours!

Why should you trust our process?

1. Specialist bad credit brokers

We work with people who have bad credit, and some that have suffered IVAs, CCJs and even bankruptcy, so you can be sure we have the experience and expertise to help you with your application.

2. Strong family values

We’re a family-run company with a business heritage that spans over 100 years, so we base our service and process on the solid family foundations of trust, honesty and integrity.

3. Protective 7-day exchange and warranty

We’ll give you seven days to get a feel for your car and return it if you don’t like it. You’ll also get the benefit of Hippo’s three-month complimentary warranty for complete peace of mind.

What our customers say about our process

Hippo talked me through the whole process of getting a new car, what options I had and what would be ideal for my budget, I was so nervous about getting a new car, but they assured me they would be there every step of the way.

Jordan Harrison, October 2019

What our customers say about our process

Ideal for people with bad credit. Nothing bad to say about this company. The whole process of purchasing a car was fast, with no problems. Answered all questions and talked me through the whole process.

Pelagia, September 2018

What our customers say about our process

I was very apprehensive about applying for car finance due to my credit rating and a CCJ. All the staff were very helpful and great communication regarding my application and the progress of my vehicle.

Stephanie Davies, August 2019

Fast track your purchase and apply now!

Are you ready to own the vehicle of your dreams? Use our free pre-approval soft credit check application to get one step closer to your new car. Here are three key benefits of using our FREE soft credit check:

  • There’s no impact on your credit score, meaning you’ll get a decision without harming your credit.
  • It’s a simple, straightforward application that takes less than five minutes to complete.
  • You’ll receive a decision within 60 minutes, so you don’t have to spend days waiting for a decision.
Apply nowGet an online decision in minutes


You’ll go through a hard search if you’re preapproved and find a car you like, this may affect your credit score, but you’ll be able to build it back up if you pay your monthly instalments on time.

Yes, you can apply for car finance if you have other financial difficulties like an IVA or a CCJ, speak to our team about your circumstances and we’ll guide you through the process. Use our soft credit check to get things moving.

Once you’ve applied, we’ll assign you a dedicated account manager who’ll run through the rest of the process and keep you informed of any developments.

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

We are a broker not a lender and our registered office is Trident Park, Trident Way, Blackburn BB1 3NU. Our contact number is 01254 919000

Like us on Facebook Follow us on Twitter Join us on Google+