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Poor credit car loan

Car loans for people with poor credit

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

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If you have poor credit, you’re probably aware that it can impact the willingness of a credit lender to loan you money.

If you have a poor credit score, you may be put off by the fact that rejection could make it worse and prevent you from getting a car at all. At Hippo, we work with specialist lenders that maximise your chance of approval.

The Hippo commitment

We think everyone should have a fair chance to get a car loan that gets them behind the wheel, so we provide a service that:

  • Get an affordable loan while ditching the stigma of bad credit lending.
  • Allows you to get a vehicle that improves your lifestyle.
  • Improves your financial credibility by offering fixed monthly payments.

How can I get a car loan with poor credit?

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

Poor credit car loans for everyone

1. Personal car loans
Most people don’t have the cash to stump up for a new car, and having bad credit might mean your finance are even worse. That’s why we offer individuals the ability to a car loan if they have bad credit.
2. Business car loans
We also understand that businesses may have bad credit as well; whether you’re struggling financially or you’ve missed a payment or two. So we offer business car loans to suit businesses of all sizes.

Check Your Credit Score

What car loan can I get with poor credit?

HP
Hire purchase
A loan that allows you to pay a set monthly instalment. Once you’ve paid off the finance, you’ll own the vehicle, so you can part-exchange it, either sell it or keep driving it.
PCP
Personal contract purchase
A loan that allows you to pay a monthly instalment, except you don’t pay off the total value like HP. You’ll have an option to pay a balloon payment at the end of the agreement if you want to own the vehicle.
PCH
Personal Contract Hire
A loan that allows you to pay a monthly installment, except you won't have the option to own the vehicle. PCH is ideal for people that know they want a vehicle but aren’t interested in owning it.

Calculate Your Monthly Payments

If you’re confident you can pay your monthly fee and know your credit rating, use the finance calculator below and we’ll give you a rough cost of your credit agreement.

My credit is... Bad Poor Average Good Excellent
£70 £1000
12 months 60 months

Summary

We could get you a car up to
*
Amount Repayable:
Representative APR:
Rate of Fixed Interest:
Total Cost of Credit:
Check your eligibility
* Depending on your credit score.

Rep example: Representative APR: , Cash Price: , Deposit: £0, Total Cost of Credit: . Rate of Fixed Interest: , Amount Repayable: . Month Term

Why use Hippo to get a poor credit car loan?

1. Pay nothing towards your loan for 30 days
If you’ve got bad credit and you aren’t in a position to pay any fees up front, it doesn’t matter! We offer no deposit car finance on all our vehicles, so you can save some money in the short-term and get behind a vehicle without having to save.
2. Low monthly payments
With deals under £150, we strive to keep your monthly payments low, so you can afford your monthly payments and build your credit score. Browse 1000s of cars and if you can’t find your vehicle we’ll source it for you.
3. We’re specialists
We help people from all financial backgrounds, whether you have low income or you’re unemployed. We can also help if you have IVAs, CCJs or have suffered other financial difficulties. Browse our bad credit hub for advice and guides.

How can Hippo help me get accepted for a car loan?

If you’re applying for a car and you have bad credit, you’re probably worried about suffering rejection and whether you can get a car in a short time frame. Our team will help ease any of those worries.

With over 50 years’ experience, we help people get cars fast, 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 a car and finance package; 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.

Browse 1000s of new & used vehicles

We stock a massive range of used cars of various styles and body types, including the world’s leading brands such as BMW and Ford.

Citroen DS3 1.2 PureTech DStyle Plus
citroen DS3 1.2 PureTech DStyle Plus

Pay NO Initial Rental
From £181.98
per month incl. vat.
View deal
Nissan Qashqai 1.5 dCi Acenta
nissan Qashqai 1.5 dCi Acenta

Pay NO Initial Rental
From £250.15
per month incl. vat.
View deal
Vauxhall Astra 1.6 CDTi 16V ecoFLEX 136 Design
vauxhall Astra 1.6 CDTi 16V ecoFLEX 136 Design

Pay NO Initial Rental
From £172.58
per month incl. vat.
View deal
Kia Picanto 1.0 65 SE
kia Picanto 1.0 65 SE

Pay NO Initial Rental
From £165.31
per month incl. vat.
View deal
Audi A3 1.6 TDI 110 SE Technik
audi A3 1.6 TDI 110 SE Technik

Pay NO Initial Rental
From £238.17
per month incl. vat.
View deal
BMW X3 XDRIVE20D M SPORT 5DR STEP AUTO
bmw X3 XDRIVE20D M SPORT 5DR STEP AUTO

Pay NO Initial Rental
From £415.59
per month incl. vat.
View deal
Audi A4 2.0 TDIe SE Technik
audi A4 2.0 TDIe SE Technik

Pay NO Initial Rental
From £244.05
per month incl. vat.
View deal
BMW X1 xDrive 18d M Sport
bmw X1 xDrive 18d M Sport

Pay NO Initial Rental
From £238.21
per month incl. vat.
View deal
Mercedes-Benz C Class C250D AMG Line Auto
mercedes C Class C250D AMG Line Auto

Pay NO Initial Rental
From £423.51
per month incl. vat.
View deal
Ford Focus 1.5 TDCi Zetec
ford Focus 1.5 TDCi Zetec

Pay NO Initial Rental
From £195.32
per month incl. vat.
View deal
BMW X4 xDrive20d M Sport Step Auto
bmw X4 xDrive20d M Sport Step Auto

Pay NO Initial Rental
From £410.41
per month incl. vat.
View deal
Vauxhall Meriva 1.4i 16V Life
vauxhall Meriva 1.4i 16V Life

Pay NO Initial Rental
From £151.42
per month incl. vat.
View deal
BMW 420I 2.0 T M Sport
bmw 420I

Pay NO Initial Rental
From £362.90
per month incl. vat.
View deal
Kia Sportage 1.7 CRDi ISG 1
kia Sportage 1.7 CRDi ISG 1

Pay NO Initial Rental
From £246.03
per month incl. vat.
View deal
Seat MII 1.0 S
seat MII 1.0 S

Pay NO Initial Rental
From £126.85
per month incl. vat.
View deal
Vauxhall Astra GTC 1.4T 16V 140 SRi
vauxhall Astra GTC 1.4T 16V 140 SRi

Pay NO Initial Rental
From £183.26
per month incl. vat.
View deal

 We prepare each car in our state-of-the-art service and repair centre. Our rigorous checks ensure your vehicle is in peak condition, so you’ll feel 

assured as soon as you get behind the wheel.  Once you’ve found your perfect car, you can collect it, or we can deliver it to any destination in the UK. All our bad credit car finance deals come with no hidden costs. What you see is what you pay – avoid the worry and stress of financing your car, and enjoy the pleasure of driving it.

Hear from some of our poor credit customers

‘Ideal for people with bad credit. Nothing bad to say about this company. Whole process of purchasing a car was fast with no problems. Matthew Payne answered all questions and talked me through the whole process.’

Pelagia  | 17/09/2019

FAQs

Representative Example of Credit

We expect more than 51% of our customers to achieve this rate.

Loan amount

£7500

APR

18.9%

60 monthly payments

£188.16

Deposit amount

£0

Loan term

60 months

Flat rate

10.1%

Total cost of credit

£3789.606

Total amount payable

£11289.606

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.

Our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB1 3NU.