Classic Car Finance

  • Take our 1-minute application
  • We find you the best possible deal 
  • We do the paperwork, you drive away!
Applicants must be either employed or self-employed
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. 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

Owning a classic car is a dream for many, but the costs associated with these treasured vehicles can be significant. At Happy Motor Finance, we provide flexible financing solutions to help you spread the cost of purchasing your dream car. By comparing multiple lenders, we ensure you get the best deal tailored to your circumstances.

About Our Classic Car Finance Service

Our classic car finance service is designed to make your dream of owning a classic vehicle a reality. We work with a panel of trusted lenders to find the best financing options for both new and existing customers. Whether you’re looking to buy a classic car or refinance an existing loan, our dedicated team is here to assist you.

Financing Options

We offer two main types of classic car financing:

  • Personal Contract Purchase (PCP): With PCP, you pay lower monthly instalments and have the option of making a final balloon payment at the end of the term to keep the car.
  • Hire Purchase (HP): HP involves higher monthly payments, but once the term ends, you own the car outright.

How Classic Car Finance Works

Steps to Finance Your Classic Car

  1. Get a Quote: Start with a free, no-obligation quote to understand your financing options.
  2. Choose Your Classic Car: Select a classic car within your budget and approved by our lenders.
  3. Submit Your Application: Provide the necessary documents for a quick approval process.
  4. Drive Away: Once approved, you can enjoy your classic car while making manageable monthly payments.

Required Documents

  • Personal Information: Name, date of birth, and employment status.
  • Proof of Identity: Valid ID or passport.
  • Proof of Income: Recent payslips or bank statements.
  • Address History: Proof of address for the past few years.

Refinancing Your Classic Car Loan

If your financial situation has changed since you first took out HP or PCP finance, refinancing could be a great solution. Here are some reasons why you might consider refinancing:

Benefits of Refinancing

  • Lower Monthly Repayments: Secure a loan with cheaper monthly payments and a longer repayment period if you’re struggling with your current repayments.
  • Improved Credit Score: If your credit score has improved, refinancing could mean securing a loan with a lower interest rate, reducing your monthly payments or the total amount payable.
  • Manageable Balloon Payments: For those nearing the end of a PCP agreement, taking out a loan to cover the balloon payment can help you keep your classic car without a large one-off payment.

To find out if refinancing is right for you, contact one of our finance specialists for a personalised consultation.

Frequently Asked Questions

Can I refinance my current classic car finance loan?

Yes, we offer classic car refinance services. If your circumstances have changed or you need lower monthly repayments, refinancing could be beneficial. Each situation is unique, so contact our finance specialists to see if refinancing would be right for you.

What type of classic car finance do you offer?

We offer both Hire Purchase (HP) and Personal Contract Purchase (PCP) options for financing your classic car. The best type of finance will depend on your personal preferences and circumstances.

Do I need a good credit rating to get finance?

While a good credit rating helps, we specialise in finding finance solutions for all credit situations. Contact us to discuss your options.

Start Your Classic Car Journey Today

Ready to finance your classic car? Our team of experts is here to help you every step of the way.

For more details on our financing options, check our finance calculator and see what works best for you.

The smart choice

  • If you currently have vehicle on 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!
Personal Shopper Service
If you've not decided which car you want, you can get your finance approved first then we'll help you search for the perfect car
Receive a Call Back
One of our experts will call you back at a convenient time
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.

*It is only if you choose to proceed with a vehicle then a hard search will be carried out.

Finance Calculator

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

Approximate Monthly Payments

Excellent Credit
10.9% APR
108
Good Credit
17.9% APR
127
Fair Credit
24.9% APR
146
Poor Credit
39.9% APR
193

The above rates and monthly payments are an example only. The actual rate you will be offered by lenders could be lower or higher depending on your circumstances


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.

*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

Approximate Amount You Could Borrow

Excellent Credit
10.9% APR
10.00
Good Credit
17.9% APR
10.00
Fair Credit
24.9% APR
10.00
Poor Credit
39.9% APR
10.00

The above rates and monthly payments are an example only. The actual rate you will be offered by lenders could be lower or higher depending on your circumstances


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.

Why Choose Happy Motor Finance?

  • If you currently have a vehicle on finance, we can help you get your Settlement Figure
  • Most credit scores considered
  • Get finance on new or used motors
  • £0 deposit options
  • No arrangement fees
  • Get a decision in minutes
  • We check a wide panel of lenders

How Our Service Works

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!

What Our Happy Customers Are Saying

Amazing experience from start to finish, the people there don’t push you into anything. The checks are really good, they not only check out the car but who you are buying it from. Thanks to Matthew and Leon for all their support in helping me choose the right car for me.
K Robinson
Trustpilot
They were extremely helpful and did everything they could to get me finance even with a bad credit rating. Couldn’t recommend these guys enough. Leon talked me through it every step of the way, the company are lucky to have you😊
J Baxter
Google Reviews
Very helpful team Leon walked me through the whole process and didn’t push. He also gave brilliant advise and set up warranty package that gave me peace of mind.
Karlrobo
Google Reviews
I've just picked up my new car, absolutely love it, Alan was amazing I told him everything I was looking for in a car and within minutes he found my dream car, Alan kept in contact with me through the whole experience, checking I was still happy with everything, I would highly recommend Happy motors finance and have already done so with friends. THANK YOU SO MUCH! 😊
A Taylor
Trustpilot
Cannot praise this company highly enough. Dealt with Alan, who pulled out all the stops and exceeded my expectations. Everything went so smoothly. Alan also made sure I was given all the details needed and communication was excellent. Keep up the good work guys.
C Cairns
Trustpilot
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First Response Car Finance Broker Partner
Company Name & Contact Details
Happy Motor Finance
Pennington House
16 Carolina Way
Salford Quays
Salford
M50 2ZY
0161 524 0582
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
Specialist Automotive Finance Approved
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