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"

     Excellent  
     Based on 161 reviews 
    
 
 
   
 
 
        
   Carol St Clair 
 
 
 
  Absolutely brilliant company. Everything explained and sorted for me from start to finish. Will definitely recommend these guys. Thank you from a very happy customer 😁
  
 
       
   idrees ali 
 
 
 
  Kirsty provided a fantastic service, would recommed to everyone. Happy motor finance
  
 
       
   Matt James 
 
 
 
  Brilliant help , very stress free experience.  Highly recommend , Damien was excellent from start to finish .
  
 
       
   Andy Ryan 
 
 
 
  Absolutely outstanding service from Damian at Happy Motor Finance,  start to finish 48 hours everything was explained and was an easy process.  Highly recommended and cheers Damian much appreciated!
  
 
       
   Victoria Sumner 
 
 
 
  Amazing service from Leon and a new car sorted in less than a week.
  
 
       
   Peter Killiard 
 
 
 
  I could make this very very long winded but I won’t.

I’ll just say that Kirsty and the team gave me the best customer service and buying experience ever.

Thank you very much and I’ll be back when it’s time to upgrade.
  
 
       
   Barry O'Brien 
 
 
 
  Kirsty was very patient, I don’t think I was an easy customer, I can’t remember how many cars I looked at, there was no pressure and Kirsty was extremely helpful and nothing was too much trouble, we eventually got a great deal on my ideal car, Thank you Kirsty
  
 
       
   Jack Scorey 
 
 
 
  Leon was great! Fast responses to questions  and always happy to help. Very quick process from start to finish. I would recommend this company to anyone.
  
 
       
   Kyle Dann 
 
 
 
  If I could give 6 stars I would, team member Yaz has been the most help from any finance company I’ve tried in getting a new car and helped me out massively. Top man and a top company would massively recommended.

Some of our trusted partners

Marsh Car Finance - Motor Finance Broker

Company Name & Contact Details

Happy Motor Finance
Clippers House
Clippers Quay
Manchester
M50 3XP

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: 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

Carol St Clair

Absolutely brilliant company. Everything explained and sorted for me from start to finish. Will definitely recommend these guys. Thank you from a very happy customer 😁

idrees ali

Kirsty provided a fantastic service, would recommed to everyone. Happy motor finance

Matt James

Brilliant help , very stress free experience. Highly recommend , Damien was excellent from start to finish .

Andy Ryan

Absolutely outstanding service from Damian at Happy Motor Finance, start to finish 48 hours everything was explained and was an easy process. Highly recommended and cheers Damian much appreciated!

Victoria Sumner

Amazing service from Leon and a new car sorted in less than a week.

Peter Killiard

I could make this very very long winded but I won’t. I’ll just say that Kirsty and the team gave me the best customer service and buying experience ever. Thank you very much and I’ll be back when it’s time to upgrade.

Barry O'Brien

Kirsty was very patient, I don’t think I was an easy customer, I can’t remember how many cars I looked at, there was no pressure and Kirsty was extremely helpful and nothing was too much trouble, we eventually got a great deal on my ideal car, Thank you Kirsty

Jack Scorey

Leon was great! Fast responses to questions and always happy to help. Very quick process from start to finish. I would recommend this company to anyone.

Kyle Dann

If I could give 6 stars I would, team member Yaz has been the most help from any finance company I’ve tried in getting a new car and helped me out massively. Top man and a top company would massively recommended.