Vehicle Refinance

Check Your Eligibility in 60 Seconds

Rising Costs

Are you feeling the financial crunch with rising bills and living costs? Don’t worry, you can take steps to alleviate the burden, starting with your car finance payment. Consider car refinancing to reduce your monthly expenses while keeping the car you love, and Happy Motor Finance is here to make it fast, easy, and hassle-free.

Refinance Process

To begin the process, obtain your settlement figure from your current lender. Many lenders offer online portals for this purpose, while others may require a quick phone call to request the information. Once you have the settlement figure, we can help you refinance the balance over a more manageable period, typically 2-5 years, spreading the remaining balance and reducing your monthly payment.

Balloon Payments

If you are on a Personal Contract Purchase with a balloon payment, don’t worry! We can refinance the balloon payment, allowing you to keep the car for a little longer or own it outright at the end. Plus, you can do this at any stage in the agreement, no need to wait until the balloon payment is due.

Our Service

Many of our customers at Happy Motor Finance have utilized our free refinancing service to benefit from lower monthly payments or pay off their balloon payments. Our refinance specialists have years of experience in assisting customers, providing impartial advice on vehicle refinancing options, and helping reduce monthly outgoings.

Credit Score

We also cater to customers with varying credit levels, from excellent to poor credit. So, if you’ve improved your credit score since taking on a high-interest finance deal in the past, we can help you take advantage of reducing the interest you pay over the remaining balance.

No Obligation Quote

At Happy Motor Finance, we work with a range of refinance lenders, and our experts will guide you through the refinancing process. Rest assured that all our quotes are free, with no obligation to commit to the quoted product.


Refinancing is possible at any point in your current agreement and can help to reduce your currently monthly payments. It can also solve the problem of the big balloon due at the end of a PCP agreement. Take control of your car finance and reduce your financial burden today by exploring car refinancing options with Happy Motor Finance. 

Check Your Eligibility in 60 Seconds

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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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