Vehicle Refinance

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. 

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Song Bird
Song Bird
Could not recommend Happy Motor Finance enough. Kirsty has been so helpful throughout, searching for cars and contacting dealerships on my behalf. She has gone above and beyond and made what could have been a stressful experience a walk in the park. Would definitely use again. Highly recommend
Jordan Little
Jordan Little
Brilliant service sorted everything for me
Tricky Mooney
Tricky Mooney
First class, quick and easy and extremely helpful from start to finish 👍🏼
Lucy Holden
Lucy Holden
Brilliant service from star to finish super fast on the forms and got my dream car ❤️
Debbie King
Debbie King
Excellent company highly recommend. Always available to help, brilliant communication and always kept informed of how the process was going. Swift, helpful and kind. Can’t wait to collect my new car. Thank you.
Nicola Redgrave
Nicola Redgrave
Fab from start to finish! Thank you so much! Can't wait to pick my car up! ❤️
Matthew Moxham
Matthew Moxham
Absolutely 110%.. Extremely helpful very fast replies.. Absolutely could not do enough for me.... Customer service is exactly how it should be... Amazing experience from the start to finish Thankyou
Easy and very helpful in finding the right car for me
Some of our trusted partners
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First Response Car Finance Broker Partner
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