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Car Finance Bristol

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Representative APR: 18.7% 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.
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Car Finance Bristol Services

We find you the best deal possible for your circumstances from our wide-panel of lenders in the UK.

Your Personal Car Shopping Service

Are you searching for car finance Bristol area services? Buying a car is said to be the 2nd biggest purchase in your life, so it's important to do it right.

While the process of car shopping can be an exciting experience, you also need to be sensible and realistic about what your current affordability situation is.

That's where car finance comes into the picture.

If you're on the lookout for a new vehicle but you're not quite sure how to pay for it, then vehicle finance is one option that might be right for you.

We're a car finance Bristol area service that offers a range of HP & PCP car finance deals throughout the UK. Get in touch today and speak to one of our consultants to find out more.

Frequently asked questions

Car finance describes the various financial products and services that allow individuals to buy a vehicle by spreading the cost over a set period of time, usually in the form of monthly payments. Car finance includes three types of finance options: loans, leases, and hire purchase agreements.

Car loans are basically a form of financing whereby the lender provides the borrower with a lump sum of money to purchase a vehicle. In return, the borrower repays the loan plus interest over a fixed period of time.

Car leases allow the borrower to use a vehicle for a specified period of time in exchange for regular monthly payments. At the end of the lease term, the borrower typically has the option to purchase the vehicle or return it to the leasing company.

Finally, hire purchase agreements involve the borrower making regular payments over an agreed period of time, with ownership of the vehicle transferring to the borrower once all payments have been made.

All three options have their own benefits and disadvantages.

You can choose from either Hire Purchase (HP) or Personal Contract Purchase (PCP). The best type of finance depends on your personal circumstances.

In some circumstances, it can be. Provided payments are kept up with, getting finance can improve your credit score. What's more, you can start driving a new car much quicker than if you waited to save up the money.

Yes, it's possible. As a car finance Bristol service, we specialise in securing finance for people who have previously been refused in the past. Please speak to one of our team to find out more.

The smart choice

  • If you currently have a 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.

Car Finance Bristol Specialists

Comparing car finance Bristol-based quotes has never been so easy. Complete our 1-minute application and find a great deal from our panel of trusted lenders.
Compare Now
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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