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Happy Motor Finance
Finding you the best deal for car, van or motorbike finance
With no impact to your credit score*
Calculate Your Finance
Estimated monthly payments
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. 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.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
Finance for Every Situation
Whatever your circumstances, we have a finance solution for you.
Car Finance
PCP, HP, and more. Find the perfect car finance deal for your budget.
Learn moreVan Finance
Need a van for work or leisure? We can help with van finance too.
Learn moreImport Car Finance
Looking to finance a Japanese import or other imported vehicle? We can help.
Learn moreBad Credit Finance
Don't let bad credit hold you back. We specialise in helping all credit types.
Learn moreNo Deposit
Drive away without paying a penny upfront with our no deposit options.
Learn moreElectric Cars
Go green with electric car finance. Affordable monthly payments available.
Learn moreRefinance
Already have car finance? See if you could reduce your monthly payments.
Learn moreHow It Works
Getting car finance doesn't have to be complicated. Here's how our simple process works.
Apply Online
Complete our quick and easy application form in just a few minutes. It won't affect your credit score.
Get Matched
We'll search our panel of lenders to find the best deal for your circumstances.
Choose Your Car
Once approved, choose any car from any reputable dealer. Our Personal Shopper service can help.
Sign & Drive
Sign your finance agreement and drive away in your new car. It really is that simple!
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. 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.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
Why Choose Happy Motor Finance?
We're not just another car finance company. Here's what makes us different.
All Credit Considered
Whether you have excellent credit or a less-than-perfect history, we can help find finance that works for you.
Soft Search Only
Our initial check won't affect your credit score. Apply with confidence knowing there's no footprint left.
Choose Any Car
Once approved, pick any car from any reputable dealer in the UK. The choice is entirely yours.
Personal Shopper
Can't find the right car? Our Personal Shopper service will search the market for your perfect vehicle.
Quick Decisions
Get a decision fast. Many of our customers receive approval within hours of applying.
Expert Support
Our friendly team of finance experts are here to help every step of the way.
Free Service
Personal Shopper Service
Can't find the perfect car? Let us do the hard work for you. Our Personal Shopper service will search the market to find your ideal vehicle at the best price.
- Tell us what you're looking for
- We search thousands of vehicles nationwide
- We present you with the best options
- Choose your car and we'll sort the rest
With no impact to your credit score*
What Our Customers Say
"Amazing service from start to finish! I was worried about my credit score but Happy Motor Finance found me a great deal. I'm now driving my dream car!"
"Quick, easy and hassle-free. The team were incredibly helpful and kept me updated throughout the whole process. Highly recommend!"
"I had been turned down by other companies but Happy Motor Finance managed to get me approved. The monthly payments are affordable and the car is perfect."
"Fantastic experience! The whole process was straightforward and the team were very professional. I couldn't be happier with my new car."
"Great company to deal with. They found me the best rate and the car I wanted. Would definitely use them again and recommend to friends."
"From start to finish the process was seamless. Friendly staff who really care about finding the right deal for you. 5 stars!"
Latest from Our Blog
Motorbikes – What Can I Ride for My Licence Type?
A complete guide to getting a motorbike licence. Getting a motorbike licence can feel more complicated than obtaining a standard car licence and in many ways, it is.
Provisional Driving Licence – Can I Still Get Vehicle Finance?
If you currently hold a provisional driving licence, you may be wondering whether you can still obtain vehicle finance. The good news is: yes, you can.
How Does Import Car Finance Work in the UK?
Struggling to afford a car in today's cost-of-living crisis? You're not alone. With prices soaring, more UK drivers are turning to a clever money-saving trick: buying an imported vehicle.
Frequently Asked Questions
Got questions? We've got answers. Here are some of the most common questions about car finance.
Ready to Get Behind the Wheel?
Apply for car finance today. Our quick application takes just minutes and won't affect your credit score.
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. 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.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
