HAPPY VAN
CREDIT
HAPPY CAR
CREDIT
Apply
Complete our short finance questionnaire
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Collect
We deliver your car or choose to collect
Choose
Tell us the car you want
Have you been:
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Turned down by lenders
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Receive government benefits
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Forced CCJS
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At happy car credit, we don't believe that bad credit should stop you from owning your own car. We work with a select group of finance companies that specialise in helping people with poor credit to secure a car loan. Once this is complete, you choose from our range of high quality cars.
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Complete our short finance form and we do the rest.
We're Happy to help
What We Offer
Here at Happy Car Credit, we specialise in assisting individuals in obtaining finance, even if they have been denied a car loan by other lenders.
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Our 3 step process takes the stress out of financing your new Vehicle, complete step 1 today by completing our quick finance questionnaire​
Apply
Easily apply for car finance on our website by completing our simple finance application form.
Choose
Once approved, we will assist you in finding the ideal vehicle that suits your situation, working with dealers from our trusted network.
Collect
Complete the paperwork online, and you'll be ready to hit the road in your new vehicle. You can come and collect or we will deliver to your door.
What Our Clients Say
“I highly recommend Happy Car Credit to anyone looking for competitive rates and exceptional service. They helped me secure the best financing option for my new car.”
Ian Reeves, London
“Happy Car Credit made purchasing my first car a breeze. Their knowledgeable team guided me every step of the way, ensuring I understood all the details and felt confident in my decision.”
Chloe James, Derby
“After being turned down by multiple lenders, Happy Car Credit came to my rescue. Their expertise and understanding allowed me to finally secure the financing I needed for my new car.”
Joanne Daly, Manchester
Important stuff
Happy Car Credit is a trading name of PCH vehicle solutions Limited and is a company registered in England and Wales (company number 14352739 ICO ZB396719).
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Registered Office: Vermont close, Chapelford Great Sankey, Warrington WA5 8WX.
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PCH Vehicle Solutions Limited trading as Happy car credit is authorised and regulated by the Financial Conduct Authority – Reference Number: 983592.
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PCH Vehicle solutions trading as Happy car credit acts as a credit broker and not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will receive a commission payment from these providers if you decide to enter into an agreement with them. This will not impact the rate or amount you are provided. All commission received is fixed but may vary by lender. We do not charge a fee for arranging the finance, however, some of our lenders may charge a fee. The exact rate you will be offered will be based on your circumstances, subject to status.
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This site uses cookies so that we can provide you with the best user experience. By continuing to use the site you are consenting for cookies to be used. Further information on cookies and how you can disable them is available on our cookie policy.
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Any commission we receive does not impact the rate you are provided by the broker. Further information is available upon request