Great News!

One or more of our lenders has approved you for finance. But what happens next?


One of our finance specialists will contact you by phone to discuss your options. Alternatively, you can call us on 0161 524 0582.

If you would like to arrange a time for us to call you, please reply to your approval email with a time/day suitable for you.


Your are welcome to find your own vehicle, but with our FREE 'Personal Shopper' service, we can also help you find the perfect one.


We will carry out checks on your chosen vehicle (HPI & MOT history) and the dealer to ensure they are reputable and have good reviews.


You will need to submit photo ID and additional proofs of income, depending on the lender and your personal situation.


You will receive the finance agreement and direct debit mandate via email for you to eSign.


You pick up the vehicle from the seller, and when you let us know that you're 100% happy with it, we will bank transfer the funds to the dealer. 


You drive away happy!                                                                    
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.


Meet Your Personal Shopper
EVERYBODY who secures a PCP or HP finance with one of our trusted lenders, is welcome to utilise our personal shopping service. Find out more about receiving the all-star treatment when you purchase finance through us.
"Affordable Monthly Finance -Red Carpet Treatment"


After securing PCP or HP finance, you will be more than welcome to find your own vehicle, but our personal shoppers can find you your perfect vehicle whilst your busy at work.


Our personal shoppers are car buying specialists and can help you to choose the perfect vehicle for your needs. 


As standard, we carry out all of the vehicle and dealer checks that keep you safe from fraud.


Nobody loves paperwork, except us, so we're more than happy to fill in all of the paperwork whilst you relax! 

Follow Us on Socials

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
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