Monthly Payments To Suit Your Budget

Bad Credit HP Car Finance Made Simple

If you don’t have the money but need your new car fast, a bad credit Hire Purchase car finance deal can make this possible. A bad credit HP car finance deal consists of monthly payments, usually between 2 and 5 years. Read on to find out more!

Rates from 10.9% APR. Representative APR 19.9%

Bad Credit Car Finance

Instant Online Decision

Our online form takes less than 60 seconds to apply & the decision is instant, we will contact you.

£0 Deposit options

If you are approved, we may have £0 Deposit Options available for you, depending on your circumstances.

Free History Checks

We will conduct a Free History & Value Checks on your behalf to ensure the car is fit for purpose.

Hire Purchase Car Finance

Bad Credit HP Car Finance Made Simple

Bad Credit HP Car Finance allows you to hire the car until all payments are made during the time that you’re paying it off. You will then own the vehicle once all of the payments are complete. Additionally, the monthly payments contain an interest rate that varies depending on your agreement.

Our Lenders

We have great relationships with a wide network of lenders and dealers who specialise in bad credit HP car finance. While we have great relationships with many trusted companies, we also want to make it very clear that there is no favouritism between any of our contacts. And our sole purpose is to compare these lenders to find the best deal for a Bad Credit HP finance agreement for the customer.

Our promise

We are committed to inform you about Bad Credit HP Finance Agreements and assist you with the purchase every step of the way.

We will try our best to get you the greatest rates, even if you have bad credit.


The information on this page should not be treated as a replacement for expert financial advice to do with your personal unique situation, but more as preparation ahead of your Bad Credit HP Finance application for bad credit car finance. You can get more information from a Credit Reference Agency if you want to find out more.

Data protection

Here at Bad Credit Motor Finance, we are here to secure the best bad credit HP car finance deal possible for your unique situation. Everybody is different, and all require a fine tuned service to suit their specific needs within their car finance application, especially with a bad credit rating.

We are independent brokers, therefore we are able to access our wide network of lenders in order to secure the best deals for you. Just click ‘Quick Apply’ and enter your details into our free calculator for us to compare the best quotes for your consideration. Your data will of course be completely protected.

Credit Ratings

Customers with a lower credit rating usually pay a higher interest rate. That being said, it’s not impossible to get a great deal on your new car with regards to your personal circumstances. Make a percentage deposit at the beginning of the contract. The larger the deposit, the less you will pay in your monthly finance rate. There are other types of deals available as well as Bad Credit HP Car Finance. It is important that you make sure that you apply for the best finance deal for you.

What Can Bad Credit Motor Finance Do For You?

Here at Bad Credit Motor Finance, we believe in providing a friendly and simple service for all of our customers. Most circumstances considered, we want to conduct a search far and wide to find the best deals possible. We’ll work with you every step of the way, from selection to discussing with lenders and dealers on behalf of your application, to even arranging a test drive! Let us do all of the leg work, and we’ll have you driving away in your brand-new vehicle as soon as possible

Rates from 10.9% APR. Representative APR 19.9%

Hassle Free

Our Bad Credit Finance Calculator

If you require a rough estimate of your entitlement and payments, you may wish to use our Finance Calculator, it is simple to use and takes less than a minute.

Rates from 10.9% APR. Representative APR 19.9% Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 19.9%, the monthly payment would be £182.26, with a total cost of credit of £2,748.61 and a total amount payable of £8,748.61. Car Loans UK is a broker not a lender. This is an example only, all finance subject to status. Lender fees may apply

Quick | Easy | Trustworthy

We Make Bad Credit Car Finance A Simple Process

01. Apply Online​

Apply now for an instant decision and one of our experts will be ready to help.​ We can try to get you Bad Credit Car Finance.

02. Find Your Vehicle​

Have you found your dream car? If not our passionate experts are here to help.​ We can try to find you a magnitude of bad credit car finance solutions.

03. Sign And Collect​

Once we have finished the paperwork, sit back and relax. We will do the rest!​ You’ll be on the way to enjoying your dream car.

Let's Get You Informed!

Frequently Asked Questions

How Can I Compare Bad Credit HP Car Finance

At Bad Credit Motor Finance, we make sure that you find and negotiate the best HP cars to suit your situation.

To give an example of a HP Car Finance deal:

If you were to put a £500 deposit down on a £5,000 car, it would leave you with £4,500 left to pay. On a 2 year contract, this would work out at £187.50 per month, plus the pre-agreed interest rate.

If you were to put a larger deposit down, for example a £2,000 deposit, then you’d be borrowing less from the lender. Meaning that you HP Car Finance rate would be £125 plus interest over two years.

There are also Bad Credit HP Car Finance deals available that require no deposit. However, this would mean that the monthly payments cost more.

Increasing the length of the contract would initially give you a more attractive HP Car Finance monthly rate, but it could also mean that you need to pay more interest over time. 

How Can I Stay Insured

Take precautions in the event of the car being written off during the payment period. It is worth having Guaranteed Asset Protection (GAP) insurance in place. This would ensure that your remaining payments are fully covered. GAP insurance would also cover the valuation of the car if you had complete ownership of the vehicle.

Is HP Car Finance The Best Deal For My Bad Credit Rating, Or Is A PCP Or PCH Deal A Better Option?

Bad credit HP car finance deals are very common. However, there are other deals available that might be better for your personal circumstances.

Personal Contract Hire (PCH) and Personal Contract Purchase (PCP) are similar to a HP car finance contract. This is because for all 3 methods you would pay a deposit and then monthly payments over a pre-agreed amount of time.

The difference in the contracts is in what happens at the end of these monthly payments. In a PCH contract, you will be leasing the vehicle and will return it at the end of the contract.

In a PCP contract, you have three options. At the end of the hire contract period, you can choose to pay a final lump sum. This is known as a “balloon” payment, which allows you to own the car. Alternatively, you can return the car to the dealer once the balloon payment is due. Or finally, you can part exchange the car and begin a new PCP contract with a new vehicle.  

The monthly rate to pay within a PCP contract is typically lower than with a HP contract. This is due to the balloon payment at the end of the contract period.

A PCH monthly rate will be the lowest, as you will not own the vehicle outright.

What If I Want To Cancel My HP Motor Contract Before It Is Over?

Cancellation of the HP car finance contract is possible, however you may be required to pay an additional charge. This is usually if the car is worth less than what you have left to pay for it.

Once you have paid over 50% of your overall cost agreement, you can Voluntarily Terminate the contract with no further charges.

So How Can I Get A HP Motor Finance Deal On Bad Credit?

If you’ve assessed all options and Bad Credit  HP Car Finance seems right – we can get you the best deal within your circumstances.

Compare the best credit reports for you

As a car finance broker, we have a wide network of lenders who specialize in Bad Credit HP car finance deals. Start a quote completely free of charge. We understand that everybody’s situation is different, and we want to help you get the best Hp car  finance possible. Enter your details, then one of our friendly members of staff will be happy to find the perfect hire purchase cars.