Bad Credit Car Finance and Leasing

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Bad Credit Car Finance and Leasing

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Speed up the process of your car leasing journey and check your eligibility - with no impact on your credit score!*

Check Eligibility

*Rates from 12.9% APR. Representative APR 13.9%. We are a credit broker, not a lender.

How Does Bad Credit Leasing Work?

Even with a less-than-perfect credit score you can still apply and lease your next vehicle with us.

Our poor credit car leasing is exactly the same as if you have a perfect credit score. You pick your car, agree your term – usually from 48-60 months with a low credit lender – complete your purchase, then get behind the wheel of your new car. It’s that simple.

Do I have to have a credit check?

All responsible and reputable car leasing companies will require a credit check before they lease you a car. Credit checks are nothing to fear here at Hippo Leasing. We accept hundreds of bad credit applicants each month and work with lenders to set up affordable monthly repayments. Our eligibility checker will let you know whether you’ll be accepted in minutes and it has no impact on your credit score, so there’s nothing to lose! If you choose to proceed with purchasing a vehicle or to get an approval from certain lenders, a hard credit check will be required.

What Do Lenders Look For?

When deciding whether to finance your car, your lender will look at your credit score. Credit scores reflect the risk that lenders take when offering you any type of finance, including car finance. A strong repayment record will normally result in a good credit history, giving you a higher credit score.

What Is the Difference Between Good and Bad Credit Leasing?

Lenders feel more at risk when lending to someone with a poor credit score as opposed to lending to those with good credit. As a result, rates will be higher, and a deposit may be required to cover the risk of not keeping up with payments.

How Can We Help You Get a Car With a Low Credit Score?

At Hippo Leasing, we have specialist account managers trained to work with a wide range of credit and financial backgrounds. Your allocated account manager will work hard to find you a vehicle and finance plan that suits your circumstances.

Even if you’ve been rejected by other car leasing dealerships, our relationship with a wide panel of lenders means we can offer you the very best chance of approval, whatever your credit score. 

Before sending your application to the lender, we’ll assess it to ensure you have the best chance of being approved. You’ll even be considered for approval if you have missed payments, CCJs or defaults.

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Frequently Asked Questions

Yes! Here at Hippo Leasing we consider drivers of all credit backgrounds and work with our lenders to provide affordable monthly repayment plans to suit you.

Simply use our eligibility checker and you’ll get an answer in minutes, with no impact on your credit score! From there, you can apply and one of our team will be in touch to help finalise your agreement and get you on the road.

A credit check is required to lease a car, so that lenders can decide whether you will be able to make the monthly payments. Whilst it can be daunting, you don’t need to worry as we accept applicants from all credit backgrounds. Find out more about car leasing credit checks here.

Our initial eligibility checker only runs a soft credit check, which won’t show in your credit history or affect your credit score. If you decide to go ahead, the lender will run a hard credit check before approval, but only with your consent.

Yes, we have both new and used cars available for leasing and we’ll consider every application individually, whatever your credit history.

As long as you make all your payments on time and in full, leasing a car is a good way to improve your credit score. It will prove to lenders that you can be trusted to make repayments

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