How It Works

Quick car finance

Get a decision in 60 minutes 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

If you find yourself in need of a car and finance package fast, but you have bad credit or have suffered other financial difficulties, Hippo can help.

Being without a car when you have kids to pick up or a job to go to can leave you feeling stressed and overwhelmed, so we’re here to take that pressure off. If you have bad credit and you don’t have the cash to pay upfront, you’re probably worried you may not be able to get a car at all. With the right broker and lender, you can get the car and finance package you need to get you on the road.

The Hippo commitment

We want our customers to be able to get a car and finance package quickly, and at a fair price, so we supply a product and service that allows you to:

  • Get a fast decision knowing the outcome won’t affect your credit score.
  • Combine your car and finance into one, simple package so you can save time and money.
  • Avoid the stigma of bad credit borrowing by working with a trustworthy broker and lender.
  • Invest in your future by owning a car that improves your lifestyle and makes you happy.

How to get quick 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?

1. Business car finance
We recognise that businesses drive the economy forward, and sometimes you need a vehicle fast to ensure you can hit your targets. Talk to us about our business packages if you need a car or van quickly.
2. Personal car finance
Personal car finance is the most popular form of car finance. And when you can’t do your shopping, pick the kids up from school or do your daily commute to work you’re bound to feel a bit lost. That’s why we offer personal finance on all our cars.

Check Your Credit Score

What are your finance options?

Hire purchase (HP) A loan that allows you to pay a set monthly instalment. Once you’ve paid off the finance, you’ll own the car. You’ll have the option to own the car at the end of the agreement by paying a balloon payment or hand the car back and get a new one.
Personal contract purchase (PCP) A loan that allows you to pay a monthly instalment, except you don’t pay off the full 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 car or hand it back.
Personal contract hire (PCH) A loan that allows you to pay a monthly instalment, except you’ll never have the option to own the car. PCH is ideal for people that know they want to finance a van but aren’t interested in owning the vehicle.

3 benefits of using Hippo for quick car finance

1. We’ll give you a decision in 60 minutes
If you’re in a hurry, you can fill in our five-minute application form, and we’ll email you a decision within the hour if you apply in our open hours. Plus, our decision won’t damage your credit score.
2. We offer no deposit deals
If you’re in a rush to buy a car, we can’t imagine you’ll be thinking about saving money up to put down for a deposit. That’s why we offer no deposit deals on all our cars, meaning you don’t have to pay anything for thirty days from your agreement starting.
3. We’ll deliver your car
We’ll arrange delivery to any location in the UK. Plus, we aim to deliver our vehicles in three days so that you can get back to everyday life. All our deliveries adhere to social distancing measures, and we clean all our cars before delivery.

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

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.

Apply nowGet an online decision in minutes

Learn more about car finance eligibility

Find out what you need to do before you apply for car finance:

1. What is car loan eligibility?
Find out what lenders look for and make tweaks to your credit profile to improve your chance of acceptance.
2. What credit checks do you do?
Discover what credit checks lenders do, how long they take and get an idea of whether you’ll be accepted.

Browse our new and used cars

We stock a range of new cars in various styles and body types, including the world’s leading brands such as BMW and Toyota.

We check and test all our vehicles

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 ready to tackle the day as soon as you get behind the wheel.

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 vehicle is coming from the manufacturer, your delivery time may be longer. All our quick 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.

3 reasons to trust Hippo with your new car

As a responsible broker specialising in working with people who have bad credit, our service is founded on trust. Here are three reasons to have faith in our service.

  • All our cars come with a free 130 point check, and no vehicle leaves our showroom without passing it.
  • We offer a 14-day returns policy, so if you aren’t happy with your vehicle, you can get a refund.
  • If your car isn’t in the manufacturer’s warranty, we’ll offer you a complimentary six-month warranty for extra peace of mind.

Apply nowGet an online decision in minutes

"Being a previous customer and receiving outstanding service, I have returned to Hippo Motor Finance to upgrade to a newer car. From the first contact, it was again seamless, quick and outstanding service."
Lee Barham | 01/11/2019


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%.