Finding you the best deal for car, van or motorbike finance

Check Your Eligibility in 60 Seconds

We offer finance for cars, vans and motorbikes, or to refinance your existing PCP or HP agreement to lower your payments
  • No-Obligation Quote
  • No Deposit Options Available
  • No Arrangement or Admin Fees
  • We Can Even Help You Find a New Vehicle
Representative APR: 19.9% APR
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*Our lenders operate using an initial "soft search" which does not impact your credit score however, if you wish to proceed with the finance offered, the lender may carry out a "hard search" prior to sending you the finance documentation to sign.

Get on the road in 3 easy steps

1
Apply online with no impact to your credit score*
2
Get pre-approved for finance before your vehicle search so you know how much you can afford
3
Find your new vehicle or we will help you find it with our free personal shopping service
Car finance experts in the UK

Could You Lower Your Payments?

Learn about refinancing an existing HP or PCP agreement to reduce your monthly payments or refinancing a balloon payment

Finance Calculator

Amount to Finance
Monthly Budget
-
£
+
-
£
+
24
36
48
60

Approximate Monthly Payments

Excellent Credit
10.9% APR
108
Good Credit
17.9% APR
127
Fair Credit
24.9% APR
146
Poor Credit
39.9% APR
193

The above rates and monthly payments are an example only. The actual rate you will be offered by lenders could be lower or higher depending on your circumstances


Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

*Our lenders operate using an initial "soft search" which does not impact your credit score however, if you wish to proceed with the finance offered, the lender may carry out a "hard search" prior to sending you the finance documentation to sign.

Approximate Amount You Could Borrow

Excellent Credit
10.9% APR
10.00
Good Credit
17.9% APR
10.00
Fair Credit
24.9% APR
10.00
Poor Credit
39.9% APR
10.00

The above rates and monthly payments are an example only. The actual rate you will be offered by lenders could be lower or higher depending on your circumstances


Get Started
With no impact to your credit score*

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

*Our lenders operate using an initial "soft search" which does not impact your credit score however, if you wish to proceed with the finance offered, the lender may carry out a "hard search" prior to sending you the finance documentation to sign.

Why Choose Happy Motor Finance?

  • If you currently have a vehicle on finance, we can help you get your Settlement Figure
  • Most credit scores considered
  • Get finance on new or used motors
  • £0 deposit options
  • No arrangement fees
  • Get a decision in minutes
  • We check a wide panel of lenders

How Our Service Works

Apply
You apply in 60 seconds using our simple online application form - check your emails for updates
Compare
We search our panel of lenders to compare quotes and get you the best finance deal
Options
If approved, we will call you to explain your finance options and discuss your vehicle requirements
Vehicle
You’re welcome to find your own vehicle or we can help you find one, we carry out checks on the dealer and vehicle
Documents
We will tell you what documents you need to send us - you then receive the finance agreement to eSign
Drive
It’s time to collect your vehicle and drive away in as little as 48 hours!

Our PCP & HP Finance Services

Personal Shopper Service

Everybody who buys vehicle finance with Happy Motor Finance is welcome to utilise our personal shopping service.
Motorbike finance brokers
Car Search Assistance
Your more than welcome to find your own vehicle, but our personal shoppers can find you your perfect vehicle whilst your busy at work.
Vehicle Purchasing Advice
Our personal shoppers are car buying specialists and can help you to choose the perfect vehicle for your needs. 
Vehicle & Dealer Safety Checks
As standard, we carry out all of the vehicle and dealer checks that keep you safe from fraud.
We do the Paperwork!
Nobody loves paperwork, except us, so we're more than happy to fill in all of the paperwork whilst you relax! 

Latest Posts

Learn about PCP & HP Finance.

Frequently Asked Questions

You can choose from either Hire Purchase (HP) Finance or Personal Contract Purchase (PCP). The best type of finance depends on your personal circumstances.

In some circumstances, it can be. Provided payments are kept up with, getting finance could improve your credit score. What's more, you can start driving a new car much quicker than if you waited to save up the money.

Yes, it's possible. At Happy Motor Finance, we specialise in securing finance for people who have previously been refused in the past. Please speak to one of our team to find out more or apply and take a vehicle finance check form.

HP finance, or Hire Purchase finance, is a type of finance agreement that allows you to spread the cost of purchasing a vehicle over a period of time. It involves paying a deposit upfront, followed by monthly payments over a fixed term, typically between 1 and 5 years.

During the term of the agreement, the lender technically owns the vehicle, but you can use it as if it were your own. Once you have made all the payments, including any interest charged, you become the legal owner.

With HP finance, for instance, the interest rate is fixed at the start of the agreement, which means your monthly payments will stay the same throughout the term of the agreement. This makes budgeting easier and more predictable.

It's important to note that if you fail to keep up with the payments, the lender has the right to repossess the vehicle. So, before taking out an HP car finance agreement, or any other type of vehicle finance, it's important to ensure you can afford the monthly payments.

If you feel ready to apply for HP finance, use our vehicle finance application to establish your eligibility.

PCP finance, or Personal Contract Purchase vehicle finance, is another type of finance agreement that allows you to spread the cost of purchasing a vehicle over a period of time. It is similar to Hire Purchase (HP) finance, but with some important differences.

With PCP finance, you typically pay a deposit upfront, followed by monthly payments over a fixed term, which is usually between 2 and 4 years.

Let's say you bought a car on PCP finance, at the end of the term, you have three options:

  1. You can return the car to the lender and walk away, with nothing more to pay (assuming you have met the agreed mileage limit and the car is in good condition).

  2. You can choose to make a "balloon payment" to purchase the car outright. This is a large final payment that covers the remaining balance on the car.

  3. You can use the car as a trade-in for a new car, and start a new PCP car finance agreement.

One of the advantages of PCP finance is that your monthly payments are typically lower than with HP finance, as you are only paying off a portion of the car's value over the term of the agreement. Additionally, at the end of the agreement, you have the flexibility to choose whether to keep the vehicle or return it.

However, it's important to note that if you choose to return the vehicle, you will not own it and will need to find another vehicle to use. Additionally, if you exceed the agreed mileage limit or the vehicle is in poor condition, you may be charged additional fees.

Car finance customer service specialists
Chelcie Rowe
Chelcie Rowe
Excellent customer service. Friend, helpful and patient. Knowledgeable and reassuring. This company helped when nobody else could in regards to finance, and Leon was exemplary.
Celin Roisin
Celin Roisin
Kirsty has been an absolute star the entire way - even when we had to change car last minute, she had it sorted and kept me feeling confident and secure throughout the entire process! I would recommend her to anyone and whoever gets her as an advisor is so lucky!!!!
Andrew Dean
Andrew Dean
Really smooth process, the guys were great from start to finish and couldn't be happier with my new car. Legends!
Dyan Walker
Dyan Walker
Excellent service. Ali was professional, attentive and extremely thorough. He explained everything clearly and was able to close the deal for me quickly. Initial contact was made on Saturday and by Monday everything was completed. 5* service.
Martin Ball
Martin Ball
Hello well had never brought a car this way before but was helped though the whole thing by great staff found a great car and within 24hours had a new car 5⭐ customer service
Toni Seraphin
Toni Seraphin
Was not expecting to be looking for another car so soon... and this was at no faulty of Happy motors... They handled the issue with my first car rapidly. Damian, Leon on the day of the bad event went above and beyond to rectify the issue and dealt with the dealership. This meant that Kirsty had to put up with me once again to find another car... and bless her understanding and patience again for dealing with me haha! I eventually found my car, and again Kirsty and happy motors were superb, quick and efficient fro. Auto trader add to the car being at my door... superb. I recommend this team to anyone and will spread their name far and wide.. and sorry to say Kirsty... I will definitely be back again without doubt or hesitation.
John Henry Oluebube Maduka
John Henry Oluebube Maduka
I recently had the pleasure of working with Kirsty at Happy Motor Finance to secure financing for my new car, and I am beyond impressed with the service I received. From the moment we connected, Kirsty was incredibly knowledgeable, patient, and attentive to my needs. They took the time to explain all the financing options available to me, ensuring that I could make an informed decision.What stood out the most was their commitment to finding the best possible Car, rates and terms that fit my financial situation. Kristy navigated through the paperwork with ease, making the entire process smooth and stress-free. A couple of times I was feed up and wanted to give up but Kirsty reassured me that this will workout in the end. Thanks to Kirsty's expertise and dedication, I am able to drive away in my dream car with a financing plan that works for me. I highly recommend Kirsty from Happy Motor Finance to anyone looking for a reliable and supportive finance company and representative. Thank you, Kirsty, for your outstanding service! I appreciate You😊
Kane Miller
Kane Miller
Thank you so much for the help and it was fast, easy and straightforward thank you Ali for the help if I could give you a 10 star I would 🌟⭐️
Hashem Ahmed
Hashem Ahmed
As a seller, the whole process was absolutely professional and swift. Would highly recommend and definitely work with again!
Alex Timmins-Jones
Alex Timmins-Jones
Very helpful and a personal touch. 99% of companies just click a button and leave you alone if rejected. Happy actually worked hard to understand my circumstances and make efforts to match. All completed in a couple of days start to finish. They obviously have a unique selection of finance companies on hand to support. Very happy with happy
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Company Name & Contact Details
Happy Motor Finance
Pennington House
16 Carolina Way
Salford Quays
Salford
M50 2ZY
0161 524 0582
Happy Motor Finance Limited is registered in England and Wales under company number: 14387669. Registered office address: Pennington House, 16 Carolina Way, Salford Quays, Salford, M50 2ZY

Happy Motor Finance Limited (FRN - 989250) is authorised and regulated by the Financial Conduct Authority. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) this will not affect the rate you are offered or the amount you will pay back. The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.

Happy Motor Finance Limited are registered with the Information Commissioners Office under registration number: ZB408604

VAT Number: 456 0212 21
Specialist Automotive Finance Approved
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