Check Your Eligibility in 60 Seconds

We offer finance rates from 9.9% APR 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
Rates from 9.9% APR. 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.
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

You Could Lower Your Payments

Learn About Refinancing Your Existing HP or PCP Agreement

Finance Calculator

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

Approximate Monthly Payments

Excellent Credit
108
Good Credit
127
Fair Credit
146
Poor Credit
193

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
10.00
Good Credit
10.00
Fair Credit
10.00
Poor Credit
10.00

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.

Happy Motor Finance the happy path to easy car finance

How our service works

It's quick and easy to get finance for your vehicle through Happy Motor Finance

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! 

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Frequently Asked Questions

Car finance customer service specialists
Song Bird
Song Bird
Could not recommend Happy Motor Finance enough. Kirsty has been so helpful throughout, searching for cars and contacting dealerships on my behalf. She has gone above and beyond and made what could have been a stressful experience a walk in the park. Would definitely use again. Highly recommend
Jordan Little
Jordan Little
Brilliant service sorted everything for me
Tricky Mooney
Tricky Mooney
First class, quick and easy and extremely helpful from start to finish 👍🏼
Lucy Holden
Lucy Holden
Brilliant service from star to finish super fast on the forms and got my dream car ❤️
Debbie King
Debbie King
Excellent company highly recommend. Always available to help, brilliant communication and always kept informed of how the process was going. Swift, helpful and kind. Can’t wait to collect my new car. Thank you.
Nicola Redgrave
Nicola Redgrave
Fab from start to finish! Thank you so much! Can't wait to pick my car up! ❤️
Matthew Moxham
Matthew Moxham
Absolutely 110%.. Extremely helpful very fast replies.. Absolutely could not do enough for me.... Customer service is exactly how it should be... Amazing experience from the start to finish Thankyou
A M
A M
Easy and very helpful in finding the right car for me
Some of our trusted partners
Oodle - Car Finance Loan Lender
Marsh Car Finance - Motor Finance Broker
Advantage Finance - Car Finance Broker Partner
Lendable Car Finance - Motor Finance
Close Finance - Motor Finance Partners
First Response Car Finance Broker Partner
Happy Motor Finance Limited is registered in England and Wales under company number: 14387669. Registered office address: Clippers House, Clippers Quay, Salford, England, M50 3XP

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