How It Works

New car finance

Get a new car and finance deal with the bad credit specialists

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

Get Started

Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender. *a hard search will be performed if you decide to proceed

New car finance

Having bad credit can mean you don’t even consider the possibility of owning a new car, but we’re here to tell you bad credit doesn’t have to hold you back.

We understand that applying for new car finance when you have bad credit can feel daunting; the last thing you want is to harm your credit score even more.

However, with the right lender and broker, you can get the car you desire. We believe that people who have suffered financial hardship or have found it challenging to maintain their credit score should still have the option to own the newest vehicles.


The Hippo commitment

You should be able to drive a car that complements your lifestyle, so we supply a service and a product that allow you to:

  • Avoid the stigma of bad credit borrowing by working with a trustworthy broker and lender.
  • Invest in your future by owning a car that makes you happy and improves your quality of life.
  • Improve your financial credibility so that future lenders will value you as a responsible borrower.

How to get new car finance

  • Step 1
    Step 1
    Check if you'll be accepted - with no impact on your credit score!*
    Simply fill in our quick and easy form and we'll let you know within minutes if you'll be accepted.
  • Step 2
    Use the My Hippo app to find your car
    Once you've been accepted for finance, your dedicated account manager will give you exclusive access to our portal, where you can browse 1000’s of vehicles and reserve your dream car
    Step 2
  • Step 3
    Step 3
    Drive away in your dream car!
    Collect your car within 48 hours from one of our showrooms or arrange nationwide delivery to your door!

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

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

What type of finance do you need?

Personal car finance
1. Personal car finance
There’s nothing like the experience of driving and owning your dream car, so we offer personal finance packages for bad credit customers, which allow you to own the vehicle you want, not the one you have to take.
Business car finance
2. Business car finance
There’s no better way to tell a client your serious than by turning up in a brand new business vehicle, so we offer bad credit finance deals on all our business vehicles and fleets.

3 benefits of using Hippo to finance your new car

1. We’re bad credit specialists
We’ve been working with bad credit customers for a long time and possess the know-how to get the best deals and rates. Having a bad credit score or suffering financial hardship doesn’t have to prevent you from getting a new car.

2. We inspect and test all our cars

When you’re buying a car, the last thing you want is to be unhappy when you pick it up or after you’ve been driving it around. That’s why we inspect and test all our vehicles, and if they don’t pass the test, they don’t leave our showroom.

3. Don’t pay anything towards your finance for 30 days
If you don’t have any money to put down a deposit, we can save you even more money by offering you a no deposit deal on a new car so that you can save up in time for your first finance payment.


3 benefits of using Hippo to finance your new car
How can Hippo help me get accepted for new car finance?

How can Hippo help me get accepted for new car finance?

If you’re applying for a new car with bad credit, you’re probably worried about suffering rejection and what that would mean for your credit score. Our team will help ease any of those worries.

With over 50 years’ experience, we help people get the car they want, and Hippo knows that finding the perfect vehicle at the right price is easy if you use the right company. No jargon. No finance riddles. Straightforward car finance.

Our team has plenty of experience helping people get the car they want, and you’ll get access to our panel of specialist bad credit lenders – which will increase your chance of acceptance. Start today with our FREE soft credit check that won’t affect your credit score.

Apply now

Check Your Credit Score

As a responsible broker, we always recommend picking the finance package that’s right for you. You can do a FREE soft credit check with us that won’t affect your credit score, but you can get an idea of which finance package you’d prefer beforehand:

Hire Purchase (HP) A loan which allows you to pay a set monthly instalment. Once you’ve paid off the finance, you’ll own the car, so you can either sell it, part-exchange it for a new car or keep driving it.
Personal contract purchase (PCP) Pay a monthly instalment, except you don’t pay off the full value like HP. Pay a balloon payment at the end of the loan to own the car, or you can hand it back.
Personal contract hire (PCH) Pay a monthly instalment, except you won't have the option to own the car. PCH is ideal for people that know they want to finance a car but know they don't want to own it.
3 reasons to trust Hippo with your new car

3 reasons to trust Hippo with your new car

As a responsible broker specialising in working with people who have bad credit, we aim to set ourselves up as a trustworthy broker. Here are three reasons to trust our service.

  • All our new cars come with a free 130 point check, and no vehicle leaves our showroom without passing it. If the car comes directly from the manufacturer, it will be subject to their assessments.
  • We offer a 14-day money-back guarantee, so if you aren’t happy with your vehicle, you can swap it for another in-stock vehicle.
  • If you finance a fairly new car, it may still be in the manufacturer’s warranty. But if it isn’t, you’ll receive a six-month complimentary warranty from us.

Apply now

Browse our in-stock new cars

We prepare each vehicle in our state-of-the-art service and repair centre. Our rigorous checks ensure your vehicle is in peak condition, so you’ll feel ready to tackle the day as soon as you get behind the wheel.

No hidden costs

All our bad credit new car finance deals come with no hidden costs. What you see is what you pay – avoid the worry and stress of financing your new car, and enjoy the pleasure of driving it.

We deliver

Once you’ve found your ideal car, you can collect it, or we can deliver it to any destination in the UK. If your car is coming from the manufacturer, your delivery time may be longer.


"Excellent service throughout the whole experience of purchasing my new Mercedes car. Love the car and my whole experience of buying from Hippo, and I would recommend them to anyone!"
Karl Schofield | 15/11/2018
Can I finance a new car with bad credit?


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

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 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%.