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.
Carol St ClairAbsolutely 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 aliKirsty provided a fantastic service, would recommed to everyone. Happy motor finance
Matt JamesBrilliant help , very stress free experience. Highly recommend , Damien was excellent from start to finish .
Andy RyanAbsolutely 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 SumnerAmazing service from Leon and a new car sorted in less than a week.
Peter KilliardI 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'BrienKirsty 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 ScoreyLeon 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 DannIf 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.
