Happy Motor Finance

Happy Motor Finance: vehicle finance for all types of profiles

Happy Motor Finance is a UK-based credit broker that presents itself as an intermediary, not a lender, and works with a broad network of lenders to find finance for cars, vans and motorbikes. Its proposition is aimed at customers with all types of credit history, including those who have been rejected by other lenders.

Finance services by vehicle type

The company offers finance for the purchase of cars, vans, motorhomes, campervans, classic cars, motorbikes and scooters, taxis, electric cars and prestige vehicles. It also covers finance for imported vehicles, such as those of Japanese origin.

Solutions for complex credit situations

The site details specialist services for profiles that often encounter difficulties: refinancing existing loans, finance with IVA or CCJ, self-employed, no deposit, negative equity, students, young drivers, key workers, NHS staff, black box finance and help for those with a poor credit history. It also caters to people newly arrived in the UK with less than three years of residence.

Contract types and available brands

Finance options include PCP, hire purchase, lease purchase and conditional sale. The website lists brands such as Audi, BMW, Ford, Kia, Land Rover, Mercedes Benz, Nissan, Peugeot, Tesla, Toyota, Vauxhall and Volkswagen, for which it offers specific finance.

Application process and credit assessment

The process begins with an online application which, according to the company, does not affect your credit score because a soft search is carried out. Once the agreement is approved, the customer can choose any vehicle from a reputable dealer and sign the contract. The company states that many applications receive a response within a few hours. Acceptance is not guaranteed and, if the finance is formalised, the lender performs a hard search on the credit history.

Personal Shopper service

Happy Motor Finance offers a Personal Shopper service for those who cannot find the right vehicle. The team searches the national market among thousands of vehicles and presents the best options to the customer, who then chooses and leaves the rest to the company.

Calculator and representative example

The website includes a calculator to estimate the monthly payment based on the amount, budget and term (24, 36, 48 or 60 months). The site shows a representative example: a loan of £6,500 over five years with a fixed annual rate of 16.9%, with no deposit, would result in a monthly payment of £161.19, a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. It warns that this is only an example and that the exact rate will depend on the applicant's circumstances.

Regulation and transparency

The company states it is regulated by the FCA and authorised by the SAF. It acts as a credit broker and not as a lender. The site indicates that finance is subject to approval and refers to the initial disclosure document for more information.

Location and contact

Phone: 0161 524 0582 · Email: customercare@happymotorfinance.co.uk · Hours: Monday to Thursday: 09:00-18:00; Friday: 09:00-17:00; Saturday: 10:00-16:00