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Happy Motor Finance

Great News — You're Approved! 🎉

One or more of our lenders has approved you for finance. So what happens next? Here's exactly how we'll get you on the road.

Your Journey

What Happens Next

From your first call with us to the moment you drive away, here are the simple steps to getting your new vehicle.

  1. 1

    Discovery Call

    One of our finance specialists will call you to talk through your options. Prefer to reach us? Call 0161 524 0582, or reply to your approval email with a day and time that suits you and we'll call you back.

  2. 2

    Vehicle Search

    You're free to find your own vehicle, or take advantage of our FREE Personal Shopper service — we'll do the hunting and help you find the perfect one while you get on with your day.

  3. 3

    Vehicle Checks

    We carry out checks on your chosen vehicle (HPI & MOT history) and the dealer, making sure they are reputable and have good reviews — so you can buy with complete confidence.

  4. 4

    Documents

    You submit photo ID and any additional proof of income. Exactly what we need depends on the lender and your personal circumstances — and we will guide you through it.

  5. 5

    Agreement

    You receive your finance agreement and direct debit mandate by email, ready for you to e-sign — no printing, no posting, no fuss.

  6. 6

    Funds Released

    You collect the vehicle from the seller. As soon as you tell us you're 100% happy with it, we bank-transfer the funds straight to the dealer.

  7. 7

    Drive Away

    That's it — the keys are yours. You drive away happy in your new vehicle. Welcome to the Happy Motor Finance family!

Free Service

Meet Your Personal Shopper

Can't find the perfect car? Let us do the hard work for you. Our Personal Shopper service will search the market to find your ideal vehicle at the best price.

  • Tell us what you're looking for
  • We search thousands of vehicles nationwide
  • We present you with the best options
  • Choose your car and we'll sort the rest
Get Started

With no impact to your credit score*

Car dealership consultant handing keys to a happy customer

What Our Customers Say

4.9
Google Reviews

"Amazing service from start to finish! I was worried about my credit score but Happy Motor Finance found me a great deal. I'm now driving my dream car!"

Sarah T. Google

"Quick, easy and hassle-free. The team were incredibly helpful and kept me updated throughout the whole process. Highly recommend!"

James M. Google

"I had been turned down by other companies but Happy Motor Finance managed to get me approved. The monthly payments are affordable and the car is perfect."

Emily R. Google

"Fantastic experience! The whole process was straightforward and the team were very professional. I couldn't be happier with my new car."

David K. Google

"Great company to deal with. They found me the best rate and the car I wanted. Would definitely use them again and recommend to friends."

Lisa P. Google

"From start to finish the process was seamless. Friendly staff who really care about finding the right deal for you. 5 stars!"

Mark W. Google

Got a Question About Your Approval?

Our team is here to help you take the next step. Give us a call or message us on WhatsApp and we'll talk you through everything.

Our Lending Partners

Representative Example

Borrowing

£6,500

Term

60 months

Monthly Payment

£161.19

APR

16.9%

Total Amount Payable: £9,671.55

This is a representative example. The rate you are offered may differ depending on your personal circumstances.