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New car finance

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

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

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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!
    We offer 48 hour nationwide delivery! Or, you can pick your car up from our showroom on the same day.

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 172-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.

Ford Mondeo 2.0 TDCi ECOnetic Zetec
Ford Mondeo 2.0 TDCi ECOnetic Zetec
Pay NO Deposit
From £213.17
per month incl. vat.
View Deal
Land Rover Range Rover Evoque 2.0 TD4 SE Auto
Land Rover Range Rover Evoque 2.0 TD4 SE Auto
Pay NO Deposit
From £351.82
per month incl. vat.
View Deal
Volkswagen Up 1.0 Move Up
Volkswagen Up 1.0 Move Up
Pay NO Deposit
From £122.89
per month incl. vat.
View Deal
Fiat Panda 1.2 Pop
Fiat Panda 1.2 Pop
Pay NO Deposit
From £141.23
per month incl. vat.
View Deal
Audi Q5 2.0 TDI Quattro SE S Tronic
Audi Q5 2.0 TDI Quattro SE S Tronic
Pay NO Deposit
From £355.49
per month incl. vat.
View Deal
Citroen Berlingo Multispace Special Editions 1.6 HDi 90 Plus
Citroen Berlingo Multispace Special Editions 1.6 HDi 90 Plus
Pay NO Deposit
From £141.80
per month incl. vat.
View Deal
Renault Grand Scenic 1.5 dCi Dynamique TomTom
Renault Grand Scenic 1.5 dCi Dynamique TomTom
Pay NO Deposit
From £211.83
per month incl. vat.
View Deal
BMW X1 xDrive 18d M Sport
BMW X1 xDrive 18d M Sport
Pay NO Deposit
From £238.21
per month incl. vat.
View Deal
Chevrolet Orlando 2.0 VCDi 163 LT
Chevrolet Orlando 2.0 VCDi 163 LT
Pay NO Deposit
From £207.98
per month incl. vat.
View Deal
Ford B-Max 1.5 TDCi Zetec
Ford B-Max 1.5 TDCi Zetec
Pay NO Deposit
From £171.08
per month incl. vat.
View Deal
Volkswagen Polo 1.4 TDI SE
Volkswagen Polo 1.4 TDI SE
Pay NO Deposit
From £159.84
per month incl. vat.
View Deal
Peugeot 308 1.2 PureTech 130 Allure
Peugeot 308 1.2 PureTech 130 Allure
Pay NO Deposit
From £169.63
per month incl. vat.
View Deal
Mercedes-Benz B200 CDI Sport
Mercedes B200 CDI Sport
Pay NO Deposit
From £246.51
per month incl. vat.
View Deal
Kia Picanto 1.0 65 1
Kia Picanto 1.0 65 1
Pay NO Deposit
From £141.12
per month incl. vat.
View Deal
Fiat 500 1.2 Pop
Fiat 500 1.2 Pop
Pay NO Deposit
From £141.45
per month incl. vat.
View Deal
Lexus CT 200h S CVT
Lexus CT 200h S CVT
Pay NO Deposit
From £266.38
per month incl. vat.
View Deal

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.

 

Trustpilot
"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?

FAQs

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

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. 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 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. Images for illustrative purposes only. Hippo Vehicle Solutions t/a Hippo Motor 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 www.fca.org.uk

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 info@hippomotorgroup.com . 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.