How It Works

How it works

Hassle-free car finance - Everyone considered - We're your bad credit specialists!

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.

*There is no impact to your credit score from completing the application. If you choose to proceed with a vehicle purchase or seek an approval from certain funders then a hard credit search will be required.

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
    Use the My Hippo app to find your car
    Once you’ve been accepted for finance, we’ll get in touch to discuss your options and give you access to the exclusive myHIPPO app where you can browse 1000’s of vehicles and reserve your dream car online or over the phone!
    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 could be driving within 48 hours or 7-10 days if the car is being delivered!

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

*When a finance application is being considered we will perform a hard credit search.

Why should you trust our process?

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.

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.

Protective 14-day guarantee and 6-month warranty

We’ll give you fourteen 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 six-month complimentary warranty for complete peace of mind.

Cancellation fees will apply.  See terms and conditions for full details

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.

* a hard search will be performed if you choose to proceed

Apply nowGet an online decision in minutes

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


When you complete an application with Hippo Motor Finance we use a soft credit check that does not impact your credit score. This will allow you to see what types of credit agreements you are eligible for. After this process, if you decide to proceed with buying a car a hard credit check will be required.

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

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%.