BAD CREDIT CAR FINANCE

If you are looking for car finance but have a poor/bad credit history, the good news is that we specialise in arranging car loans for those that have previously been refused.

0% Deposit Options Available
No Arrangement Fees
Bad Credit Options Available

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Representative APR: 18.7% 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.

Car Finance Bad Credit

UK-Wide Service

We could help you with the following

Late/missed payments
CCJ's, defaults, arrears
HM Forces
Previously declined
Not on electoral roll
Provisional licence

Self-employed finance
New job
Ex-bankrupt
Previously declined
Not on electoral roll
Low credit score

Frequently asked questions

We have lots of experience obtaining car finance for people with poor credit. We work closely with some of the UK’s top lenders to compare deals and help you find the most competitive price possible.

We offer a tiered pricing structure for different credit histories - so that you can get the lowest rate possible and will not pay more due to market rates or commission-driven deals.

Bad credit car finance makes it possible for people with a low credit score to buy a new or used car. Rather than paying for the car in full with your own money, you can pay through a loan, and pay it back in monthly instalments, making car financing with poor credit much easier.

At Happy Motor Finance, we're bad credit car finance specialists, and we will search our panel of lenders for the best deal to suit your budget and needs.

Yes! We have long-standing relationships with many car finance providers who specialise in loans for those with poor credit, so even if you’ve been rejected elsewhere, you can still apply with us.

The smart choice

If you currently have vehicle finance, we can help you get your Settlement Figure
£0 deposit options
No arrangement fees
No obligation quote
Most credit scores considered
Apply online
Get a decision in minutes
The Smart Choice - for reducing your payments and keeping the vehicle you love!

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Finance Specialists

Comparing quotes for cars has never been so easy. Complete our 1-minute application and find a great deal from our panel of trusted lenders.

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Representative APR: 18.7% APR

"We act as a credit broker, not a lender"

Some of our trusted partners

Marsh Car Finance - Motor Finance Broker

Company Name & Contact Details

Happy Motor Finance
Pennington House
16 Carolina Way
Salford Quays
Salford
M50 2ZY

0161 524 0582

Opening Times

Mon-Thu: 9am - 7:30pm

Fri: 9am - 5pm

Sat: 10am - 4pm

Sun: Closed

Make a Payment Privacy Policy Complaints Procedure Anti-Slavery and Human Trafficking Terms & Conditions Cookie Policy Anti-Bribery and Corruption Dealer Partner Program

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 specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work with if you proceed with an acceptance. This commission is a fixed payment or fixed percentage of the amount you finance, but can vary by partner. This does not impact the rate you are provided. You will be provided full information before completing your finance agreement and you can request further information at any time. We do not charge a fee for our services. 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