Are you searching for joint car finance? We specialise in sourcing finance for couples and can even help you both find a new vehicle. Get in touch today to compare finance quotes from our trusted panel of lenders.
  • No Arrangement Fees
  • Bad Credit Options Available
  • Affordable Monthly Payments with HP or PCP
  • No-Obligation Quote
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"We act as a credit broker, not a lender"
Representative APR: 18.7% APR
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.

Joint Car Finance

About Our Joint Finance Service

Purchasing a vehicle together can get complicated. It may feel like a bit of a minefield trying to understand what paperwork you will need, how much you can borrow together and how the whole process works. That's where we, at Happy Motor Finance, come in. We can guide you both through the process of applying for joint car finance together and even help you to find your ideal car.

How Does Joint Car Finance Work?

The application process is simple -use the apply button at the top to the page and, provided you both pass our initial check for financial suitability, one of our dedicated joint car finance specialists will be in touch.

We offer a bespoke joint car finance service and tailor our entire service around every applicant's special circumstances. What's more, our finance service isn't limited to just car finance, as a couple you can apply for van, caravan and even motorbike finance together!

In order to qualify for joint car finance, both applicants must reside at the same address. It isn't necessary that both of you are married, you could both simply be family members; however, the part that is important is that you are both officially residents of the same property.

Frequently asked questions

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.

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!
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.
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Joint Car Finance Specialists

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Representative APR: 18.7% APR
"We act as a credit broker, not a lender"
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Carol St Clair
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
idrees ali
Kirsty provided a fantastic service, would recommed to everyone. Happy motor finance
Matt James
Matt James
Brilliant help , very stress free experience. Highly recommend , Damien was excellent from start to finish .
Andy Ryan
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
Victoria Sumner
Amazing service from Leon and a new car sorted in less than a week.
Peter Killiard
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
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
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
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.
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Company Name & Contact Details
Happy Motor Finance
Clippers House
Clippers Quay
M50 3XP
0161 524 0582
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
Specialist Automotive Finance Approved
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