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Happy Motor Finance

Info & Guides

Your go-to resource for car finance tips, guides, and answers to common questions. Make informed decisions with our helpful articles.

Motorbikes – What Can I Ride for My Licence Type?
Guides

Motorbikes – What Can I Ride for My Licence Type?

A complete guide to getting a motorbike licence. Getting a motorbike licence can feel more complicated than obtaining a standard car licence and in many ways, it is.

Provisional Driving Licence – Can I Still Get Vehicle Finance?
Guides

Provisional Driving Licence – Can I Still Get Vehicle Finance?

If you currently hold a provisional driving licence, you may be wondering whether you can still obtain vehicle finance. The good news is: yes, you can.

How Does Import Car Finance Work in the UK?
Guides

How Does Import Car Finance Work in the UK?

Struggling to afford a car in today's cost-of-living crisis? You're not alone. With prices soaring, more UK drivers are turning to a clever money-saving trick: buying an imported vehicle.

A Comprehensive Guide to Conditional Sale Finance
Guides

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 vehicle over a set period, this guide is for you.

Understanding Lease Purchase Finance: A Flexible Route to Car Ownership
Guides

Understanding Lease Purchase Finance: A Flexible Route to Car Ownership

Lease Purchase Finance is an innovative car finance solution that bridges the gap between leasing and full ownership. This option is particularly appealing for those who want lower monthly payments with the option to own the vehicle at the end.

Credit Scores and Motor Finance: How They Impact Your Loan Approval
Guides

Credit Scores and Motor Finance: How They Impact Your Loan Approval

When it comes to securing motor finance, your credit score plays a pivotal role. Understanding how credit scores influence loan approval can help you make better financial decisions.

PCP for Used Cars: How It Works
Guides

PCP for Used Cars: How It Works

Personal Contract Purchase (PCP) is a flexible and affordable way to finance both new and used cars. Here we explore how PCP works specifically for used vehicles.

How to Choose the Right Car for Your Budget
Tips

How to Choose the Right Car for Your Budget

Practical advice on choosing a car you can afford in the UK. Learn how to set a budget, factor in running costs, and find the best value car for your needs.

Van Finance Guide for Businesses: Everything You Need to Know
Guides

Van Finance Guide for Businesses: Everything You Need to Know

A complete guide to van finance for UK businesses. Learn about HP, lease options, tax benefits, and how to choose the right van finance for your needs.

Car Finance and Credit Scores: What You Need to Know
Tips

Car Finance and Credit Scores: What You Need to Know

Understand how your credit score affects car finance applications in the UK. Learn what lenders look for, how to check your score, and how finance impacts your credit.

GAP Insurance Explained: Do You Need It with Car Finance?
Guides

GAP Insurance Explained: Do You Need It with Car Finance?

Learn what GAP insurance is, how it works, and whether you need it when buying a car on finance in the UK. Understand the different types and costs.

What Happens at the End of PCP? Your Options Explained
FAQ

What Happens at the End of PCP? Your Options Explained

Wondering what happens when your PCP car finance agreement ends? Learn about your three options: hand back, buy the car, or part-exchange for a new vehicle.

Electric Car Finance: Everything You Need to Know
Guides

Electric Car Finance: Everything You Need to Know

A comprehensive guide to financing an electric car in the UK. Learn about EV finance options, running costs, government incentives, and how to get the best deal.

Self-Employed Car Finance Guide: How to Get Approved
Guides

Self-Employed Car Finance Guide: How to Get Approved

A complete guide to getting car finance when self-employed in the UK. Learn what documents you need, how lenders assess your income, and tips for approval.

Understanding APR in Car Finance: What It Means and Why It Matters
Guides

Understanding APR in Car Finance: What It Means and Why It Matters

Learn what APR means in car finance, how it affects your monthly payments, and how to compare rates to get the best deal in the UK.

Benefits of No Deposit Car Finance
Tips

Benefits of No Deposit Car Finance

Discover the advantages of no deposit car finance in the UK. Learn how to get a car without upfront costs, who qualifies, and what to watch out for.

How Does Car Finance Work? A Complete UK Guide
Guides

How Does Car Finance Work? A Complete UK Guide

Understand exactly how car finance works in the UK. From application to approval, learn about PCP, HP, deposits, APR, and monthly payments explained simply.

What Is Hire Purchase? A Complete Guide to HP Car Finance
Finance Types

What Is Hire Purchase? A Complete Guide to HP Car Finance

Understand how Hire Purchase car finance works in the UK. Learn about HP payments, ownership, pros and cons, and whether it is the right choice for you.

Can I Get Car Finance with Bad Credit?
FAQ

Can I Get Car Finance with Bad Credit?

Worried about getting car finance with bad credit? Learn how specialist lenders can help you get approved, even with CCJs, defaults, or missed payments.

First-Time Car Finance Guide: Everything You Need to Know
Guides

First-Time Car Finance Guide: Everything You Need to Know

A complete beginner's guide to car finance in the UK. Learn how to apply, what documents you need, and how to get the best deal on your first car.

PCP vs HP: Which Car Finance Option Is Right for You?
Finance Types

PCP vs HP: Which Car Finance Option Is Right for You?

Compare PCP and HP car finance side by side. Understand the key differences, pros and cons, and find out which option suits your needs in the UK.

How to Improve Your Credit Score for Car Finance
Tips

How to Improve Your Credit Score for Car Finance

Practical tips to boost your credit score before applying for car finance in the UK. Improve your chances of approval and get better interest rates.

What Is PCP? Understanding Personal Contract Purchase
Finance Types

What Is PCP? Understanding Personal Contract Purchase

Learn how PCP car finance works in the UK, including monthly payments, balloon payments, and your options at the end of the agreement.

Car Finance Myths Debunked
Guides

Car Finance Myths Debunked

We bust the most common car finance myths in the UK. Learn the truth about credit checks, deposits, interest rates, and more before you apply.

How to Get Finance After Being Refused
Guides

How to Get Finance After Being Refused

Are you feeling frustrated because you have been refused car finance by other lenders? Do you think that your bad credit history, CCJ, or IVA is preventing you from getting approved?

IVA Vehicle Finance
Guides

IVA Vehicle Finance

Our lenders help people in different circumstances finance their vehicle. Whether you are in an IVA or debt management plan, we can help you find suitable vehicle finance.

A Comprehensive Guide: How to Buy a Car
Guides

A Comprehensive Guide: How to Buy a Car

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 for the right vehicle.

Motorbike Finance and Loans – New and Used
Guides

Motorbike Finance and Loans – New and Used

We offer great finance deals on motorcycles from any reputable dealer in the UK. Try out our quick application form now to get the finance you need.

Vehicle Refinance
Tips

Vehicle Refinance

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.

Bad Credit Car Finance
Guides

Bad Credit Car Finance

If you're struggling to get car finance because of your bad credit, we could help! We work with lenders who specialise in helping people with poor credit.

Can I Refinance My Car With Bad Credit?
FAQ

Can I Refinance My Car With Bad Credit?

Quick question and answer time! Can I refinance my car with bad credit? Find out now by visiting our quick fire question and answer segment.

Can I Refinance My Car With a Different Lender?
FAQ

Can I Refinance My Car With a Different Lender?

Quick question and answer time! Can I refinance my car with a different lender? Find out now by visiting our quick fire question and answer segment.

Can I Refinance My Balloon Payment?
FAQ

Can I Refinance My Balloon Payment?

Refinancing a balloon payment on a car finance loan can be a great way to manage your finances and keep your car ownership affordable.

How Do I Refinance My Car UK?
FAQ

How Do I Refinance My Car UK?

Car refinancing is the process of paying off an existing car loan with a new loan, usually with a different lender, in order to obtain a lower interest rate or reduced monthly payments.

What Is a Soft Search in Car Finance?
FAQ

What Is a Soft Search in Car Finance?

A soft search, also known as a soft credit check or soft inquiry, is a type of credit check that does not leave a mark on a person's credit report.

Car Finance vs Personal Loan: What's the Difference?
FAQ

Car Finance vs Personal Loan: What's the Difference?

Car finance is specifically designed for the purpose of purchasing a vehicle, while a personal loan can be used for a variety of expenses.

Ready to Get Started?

Now that you know more about car finance, why not check your eligibility? It only takes a few minutes and won't affect your credit score.

Apply Now

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

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.