How It Works

Poor credit car loan

Car loans for people with poor credit

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

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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

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!
    Collect your car within 48 hours from one of our showrooms or arrange nationwide delivery to your door!

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?

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.
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.
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.

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.

 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


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%.