BMW Car Finance – New & Used Deals

If you're looking to finance a vehicle from BMW, we're happy to help you get the best possible finance for your circumstances from our panel of lenders.

Get a Quote

With no impact to your credit score*

Take our 1-minute application
We find you the best possible deal
We do the paperwork, you drive away!

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. 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 for your BMW car finance needs?

We understand that credit histories vary, and not everyone can afford a hefty deposit. Our extensive network of lenders is committed to making BMW ownership achievable for everyone.

Our mission is to secure budget-friendly car finance deals, irrespective of credit records. While some lenders turn away applicants with unfavorable credit, we have partnered with lenders who adopt a more open-minded approach.

How it Works

Embarking on your BMW financing journey is as easy as filling out our quick online application form. Once you submit your details, we'll perform a soft credit inquiry. This step helps us match you with the ideal lender from our panel, tailored to your unique circumstances. Rest assured, this soft search won't impact your credit score negatively.

If your application is approved, then your dedicated account manager will get in touch to explore your options. If you haven't found your BMW yet, our personal shopper service is ready to assist. Then we communicate with the lenders and dealership on your behalf to ensure a hassle-free process.

Finance Calculator

Amount to Finance

Monthly Budget

Amount to Finance

Monthly Budget

Period (in months)

Scroll down for your results

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

Get Started

With no impact to your credit score*

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*

*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!

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

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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