A Comprehensive Guide to Conditional Sale Finance
Conditional Sale Finance is a straightforward and popular way to finance a vehicle. If you’re looking for a car finance option that allows you to spread the cost of your…
You’ve decided to get a new car, van or motorbike but like many people in the UK, you’re too busy to spend hours and hours trawling around dealerships looking at cars so have decided to do your search online.
Some people don’t know what car they want or where to start. With hundreds of makes/models to choose from, this can be a daunting task, especially if you’re not familiar with the used car market. Happy Motor Finance is not only a motor finance brokerage, we also offer a personal shopping service to help people find the right car for their requirements and aspirations.
Before starting the search for a car, van or motorbike, it helps to have a good idea of how much you can borrow with monthly payments that you can afford. It makes sense to get your finances approved in principle before starting the search for a specific vehicle. That way, you know what price of a vehicle is within your monthly budget.
The first step is to submit a finance application via our website. Our motor finance specialists then work to get you the best acceptance from our panel of lenders. Once you have motor finance approved in principle, the approval lasts for 30 days which should be more than enough time for you to find the right vehicle.
When you apply for motor finance with Happy Motor Finance, we use ‘soft’ credit checks which do not impact your credit score. A ‘hard’ check will be conducted by the lender if you decide to proceed, but this will be one hard search instead of multiple hard searches which can impact your credit.
Unfortunately, most car dealerships will do a hard search on customers which means they can only perform 2 or 3 hard searches before the application will get declined.
At Happy Motor Finance we put your application to multiple lenders on a soft search basis but also meaning generally a better chance of approval and the best rate available from our panel based on your circumstances. If you have circumstances that rule you out of finance from some lenders, our experts will direct your application to other select lenders using our knowledge of the finance market.
Once we have an acceptance in place. one of our Account Managers will give you a call to run you through your quote and asses your vehicle requirements. You may know exactly what you want, you may have some idea or you may have no idea. It makes no difference to us but we are here to help you find and purchase the right vehicle for you.
If you do need help finding a vehicle, your Account Manager will do the hard work of searching online and contacting dealers that we have relationships with. Your Account Manager will then send you some vehicles to review and you can tell us your thoughts to narrow down the search.
Once you have selected a specific vehicle, your Account Manager will call the dealer and run our standard checks on the vehicle and the dealer.
Vehicle checks include making sure the vehicle is roadworthy and prepared correctly by the dealer using our vehicle history checking technology and dealer interview to assess this. If we haven’t worked with the dealer before, we will credit check the dealer and check their recent customer reviews to make sure they are reputable and providing a great service to their customers.
If you have a part exchange, we will negotiate the price with the dealer to try and get the best possible trade-in price or direct you to an instant online car-buying platform if we believe you can get a better deal from them.
Once we are all happy with the car and the dealer, we will send out your finance documents via email which you will need to review and sign electronically. We may need some documents from you to prove identification, address, earnings, etc. but your Account Manager will manage that process.
Once all the documents are in place, we prepare the funds for transfer. You will then go to the dealer to make sure the car fits the bill and is in the condition you expect and give us a quick call to confirm. We will then transfer the money via instant transfer to the dealer meaning you can drive away there and then.
At Happy Motor Finance, most of our Account Managers have worked in dealerships, so are vastly experienced in both vehicles and speaking the dealer’s language. We also know the common things to check and look out for and are experts in recommending vehicles if you really don’t have a clue what to buy.
Our personal shopping service is FREE! It’s important that you love your new car and it works as it should. It’s also important we and the lender are confident the vehicle is going to give you years of happy motoring until you pick the phone back up to us and get another.
Start your application below and let us take the hassle out of finding your next vehicle and finance for it.
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
