Yes, we offer joint car refinance services. If your circumstances have changed since you first took our HP or PCP finance with either ourselves or another company, the refinancing your current loan could be a great solution for you, but every situation is different so there's no guarantee that refinancing will be beneficial in every case. The only concrete way to know if refinancing is something you could benefit from is to get in touch with one of our finance specialists.
One benefit of refinancing could be that you find a vehicle loan with lower monthly repayments. If you need help to make your repayments or need more disposable income, there's no need to wait until the end of your agreement. You could swap to a loan with cheaper monthly repayments and a more extended repayment period instead.
Are you looking for a better deal? Credit scores aren't fixed and yours might have improved since you took out your finance. In fact, if you've kept up with your repayments, your existing loan could have boosted your rating! Refinancing could mean you find a loan with a lower rate of interest, lowering your monthly repayments, or reducing the total amount payable.
It's also an option for people coming to the end of a PCP agreement. To keep the vehicle, you'll need to pay the balloon payment. Taking out a loan to split this one-off cost into manageable monthly repayments could mean you can keep a campervan you'd otherwise have to hand back to the lender.
We can refinance Hire Purchase (HP) or Personal Contract Purchase (PCP) deals.
To apply for finance, no documents are required initially. It is only after being accepted for finance that you will need to provide proof of income, identification and proof of address. However, each lender requires different types of documents so you will need to wait to find out exactly which type of document you need to provide.
Chelcie RoweExcellent customer service. Friend, helpful and patient. Knowledgeable and reassuring. This company helped when nobody else could in regards to finance, and Leon was exemplary.
Celin RoisinKirsty has been an absolute star the entire way - even when we had to change car last minute, she had it sorted and kept me feeling confident and secure throughout the entire process! I would recommend her to anyone and whoever gets her as an advisor is so lucky!!!!
Andrew DeanReally smooth process, the guys were great from start to finish and couldn't be happier with my new car. Legends!
Dyan WalkerExcellent service. Ali was professional, attentive and extremely thorough. He explained everything clearly and was able to close the deal for me quickly. Initial contact was made on Saturday and by Monday everything was completed. 5* service.
Martin BallHello well had never brought a car this way before but was helped though the whole thing by great staff found a great car and within 24hours had a new car 5⭐ customer service
Toni SeraphinWas not expecting to be looking for another car so soon... and this was at no faulty of Happy motors... They handled the issue with my first car rapidly. Damian, Leon on the day of the bad event went above and beyond to rectify the issue and dealt with the dealership. This meant that Kirsty had to put up with me once again to find another car... and bless her understanding and patience again for dealing with me haha! I eventually found my car, and again Kirsty and happy motors were superb, quick and efficient fro. Auto trader add to the car being at my door... superb. I recommend this team to anyone and will spread their name far and wide.. and sorry to say Kirsty... I will definitely be back again without doubt or hesitation.
John Henry Oluebube MadukaI recently had the pleasure of working with Kirsty at Happy Motor Finance to secure financing for my new car, and I am beyond impressed with the service I received. From the moment we connected, Kirsty was incredibly knowledgeable, patient, and attentive to my needs. They took the time to explain all the financing options available to me, ensuring that I could make an informed decision.What stood out the most was their commitment to finding the best possible Car, rates and terms that fit my financial situation. Kristy navigated through the paperwork with ease, making the entire process smooth and stress-free. A couple of times I was feed up and wanted to give up but Kirsty reassured me that this will workout in the end. Thanks to Kirsty's expertise and dedication, I am able to drive away in my dream car with a financing plan that works for me. I highly recommend Kirsty from Happy Motor Finance to anyone looking for a reliable and supportive finance company and representative. Thank you, Kirsty, for your outstanding service! I appreciate You😊
Kane MillerThank you so much for the help and it was fast, easy and straightforward thank you Ali for the help if I could give you a 10 star I would 🌟⭐️
Hashem AhmedAs a seller, the whole process was absolutely professional and swift. Would highly recommend and definitely work with again!
Alex Timmins-JonesVery helpful and a personal touch. 99% of companies just click a button and leave you alone if rejected. Happy actually worked hard to understand my circumstances and make efforts to match. All completed in a couple of days start to finish. They obviously have a unique selection of finance companies on hand to support. Very happy with happy
