Happy Motor Finance Reviews 181

TrustScore 5 out of 5

4.9

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company's exceptional service, highlighting the efficiency and professionalism demonstrated throughout the entire process. Consumers appreciate the clear and informative communication, noting that representatives are readily available and quick to respond to inquiries. People express satisfaction with the support received in finding suitable finance options, even with bad credit. Reviewers also value the personalized attention and the ease of navigating the process, with some specifically mentioning the convenience of communicating via platforms like WhatsApp. Consumers would highly recommend this company.

Based on these reviews

Rated 5 out of 5 stars

Great service all round from Zach. I approached HMF to establish whether I could say any money by switching my existing car loan from another provider. Within minutes, Zach had a loan agreed at a sign... See more

Company replied

Rated 5 out of 5 stars

What a fantastic company I would 1000% recommend them to anyone ! Answered calls asap nothing to much trouble guided and helped me get great motor and made sure I had extended warranty and AA approved... See more

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Rated 5 out of 5 stars

From receiving my first contact I felt very confident that I was dealing with a professional company that is aiming to help me. Within 72 hours my loan was completed without any real problem. Leon... See more

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Rated 5 out of 5 stars

This is my second finance with Happy Motor Finance, first time was for a motorbike this time is for a car which is completely new territory for me… it’s the smoothest, easiest process- truly hassle fr... See more

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Rated 5 out of 5 stars

Absolutely fantastic service from start to finish. Despite having bad credit, Happy Motor Finance were able to find me finance that suited my budget. They acted fast and payments were affordable. Th... See more

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Rated 5 out of 5 stars

The absolute dedication and speediness of the chap who was assisting with my finance agreement meant I was able to drive away with my new car two days after going to see it. Any questions or updates I... See more

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Rated 5 out of 5 stars

I’m truly speechless and can’t find the words to fully express how incredibly professional Happy Motor Finance are !!! I have dealt with hundreds of companies over many years but Kirsty and he... See more

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Rated 5 out of 5 stars

Very helpful and understanding of needs. Easy to connect via WhatsApp after an initial call. Kirstie managed both dealership and paperwork so that I came home with car same day, I would say easy for... See more

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Rated 5 out of 5 stars

Excellent support from start to finish. Matthew made the whole experience stress free by making things very easy to manage. Quick turnaround with a number of financing options put forward for me to wo... See more

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Rated 5 out of 5 stars

My experience has been nothing but amazing! Kirsty was so efficient and within 24 hours everything was organised and I collect my car tomorrow. Its been so smooth and very acommodating considering I c... See more

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Rated 5 out of 5 stars

I was struggling to get a car as soon as possible as my car broke down so I applied for finance on several sites. From all of the people who get in touch with me, Kirsti was the best professional... See more

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Rated 5 out of 5 stars

Both Leon and Kirsty were very professional, caring and very respectful. Easy WhatsApp communication, updates with information from start to finish! Answered questions immediately. Made exper... See more

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Rated 5 out of 5 stars

Both me and my friend used happy motor finance, we had one advisor called kirsty who was amazing. Gave us both all the time in the world to make sure we where happy and satisfied with our decisions.... See more

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Rated 5 out of 5 stars

I used their service two weeks ago. They are helped me find a lender who accepts IVA. The whole process took less than one week! On Wednesday, we had an initial conversation about how they could offer... See more

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Rated 5 out of 5 stars

I dealt with Kirsty she was so helpful and delightful to speak with. Really happy with my experience she made sure I fully understood what was going on and helped me have a very human experience thank... See more

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Rated 5 out of 5 stars

Had great customer service with this company, also I will say the customer service that was provided by Kirsty was more than helpful, I have more or less contacted Kirsty and sat back and all was pr... See more

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Rated 5 out of 5 stars

In my experience with Kirsty at Happy Motor Finance, she delivered an excellent customer service to me, being very knowledgeable about the process and did not hesitate to answer any questions that I h... See more

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Rated 5 out of 5 stars

Absolutely amazing. Helped with every step of the way and explained everything. Didn’t push me and just guided me. This is my first time using this company and I would highly recommend them! Nothing w... See more

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Rated 5 out of 5 stars

Absolutely amazing service from Kirsty! Fast, reliable and knows what she's doing. So happy I took my finance out through them, she's been so helpful. 😁

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Rated 5 out of 5 stars

Leon was a great help , very efficient and always provided the information I needed. Managed to sort out my finance within a few days , with no problem what so ever.

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Rated 5 out of 5 stars

Absolutely amazing! cannot recommend this company enough especially the man who helped me all along the way Leon. M Thank you!!

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Rated 5 out of 5 stars

Dealt with Kirsty. Really knows her onions and set any reservations I had aside without putting on pressure. Couldn't ask for better. Awesome 👌

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Rated 5 out of 5 stars

Kirsty was a great help very communicative all the way through the process, even when there was a little hiccup with the dealer, sorted straight away

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Rated 5 out of 5 stars

Didn’t really know what to expect but what I got was outstanding service, excellent communication and a “Happy” outcome.. Nothing seemed too much trouble, there was no pushiness and I would recommend... See more

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Rated 5 out of 5 stars

Kirsty helped me find finance as a new driver who was completely lost and managed to get it on my dream first car - I look forward to dealing with her and Happy motor finance in the future.

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Rated 5 out of 5 stars

Can not fault the time and effort Kirsty put in to find me my next car, her communication was on point the whole way through the process.

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Rated 5 out of 5 stars

Amazing service and have helped me with every step of the process with helping get my new car can’t fault the service would very much recommend. Mark

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Rated 5 out of 5 stars

A fantastic customer journey from Kirsty at happy motor finance. Clear and informative information throughout, keeping in touch both message and email platforms. Thank you Kirsty for your support.

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Rated 5 out of 5 stars

Leon at Happy motor finance was super helpful, told him my financial circumstances within 1-2 hours got me my funding approved and was actually cheaper than any of the car dealers i contacted. Wo... See more

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Rated 5 out of 5 stars

I spoke with kirsty from happy motor finance and not only did she seal the deal for me on my first 125 motorbike she was always on call to assist me with any issues that I had with the process,... See more

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Rated 5 out of 5 stars

Happy Motor Finance has provided me with a quick and competitive finance option for my next HP car purchase. Kirsty was in regular communication with me to accelerate my financing with variou... See more

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Rated 5 out of 5 stars

Matthew was a very helpful chap, very attentive to the process, I’ll know where to go if I need a similar thing in the future, many thanks Matthew.👍

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Rated 5 out of 5 stars

Kirsty was the person I was dealing with and she made the entire process so easy and hassle free, highly recommend.

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Rated 5 out of 5 stars

Dealt with Kirsty who helped me through every step of the way. Very efficient and professional and a credit to your company.

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Rated 5 out of 5 stars

Kirsty has been super super helpful and friendly, she has gone above and beyond to help me find the perfect motorcycle, i really would recommend

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Rated 5 out of 5 stars

Fantastic from start to finish, Kirsty was great and always available at any time through the day. Would recommend

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Rated 5 out of 5 stars

From applying for finance to getting the car was 2 days, would have been 1 day if I hadn’t been working. Kirsty was prompt with replies and chased everything up very quickly.

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Rated 5 out of 5 stars

Kirsty was absolutely amazing and walked me through each step of the process. Great service throughout! :)

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Rated 5 out of 5 stars

Kirsty has been very helpful and efficient, keeping me abreast of the whole process. She is a credit to the company.

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Rated 5 out of 5 stars

Had an amazing experience with Kirsty she was so helpful did everything she could and managed to get everything sorted 5 mins before they closed would definitely recommend

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Rated 5 out of 5 stars

Absolutely fantastic service, great contact, the ability to arrange finance whilst working, finding a suitable car and arrange everything! Fabulous 5* service would highly recommend and will definitel... See more

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Rated 5 out of 5 stars

Kirsty was brilliant. Taken all the stress out of the process. Always keeping me informed . I can highly recomend them

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Rated 5 out of 5 stars

Kirsty you're a star! Lovely to speak to & great to work with getting my car. Would definitely use again if I need to! So much better than Zuto!? & it's nice to speak to a woman & not a man! Thanks fo... See more

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Rated 5 out of 5 stars

Amazing service from start to finish. They were spot on and helpful through the process.

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Rated 5 out of 5 stars

Very quick friendly and professional service Highly recommend for any credit levels

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Rated 5 out of 5 stars

Second time financing with HMC and matthew did yet again an amazing easy job. Thank you.

Company replied

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Company details

  1. Car Finance and Loan Company

Written by the company

Get an instant online decision by using our quick and easy form, you will get an instant decision in a matter of minutes with no impact on your credit score. Find your dream car from any reputable dealer nationwide and find the car that suits you, and your budget. Sign and collect your new car once we have dotted the I's and crossed the T's. We'll do the rest of the paperwork. OR Refinance your current vehicle to save money on your monthly payments. The old-fashioned way of buying a car is to get the car finance at the same place where you buy the car. However, this may not always ensure you get the best deal, which is why using a car finance comparison service is important. If you get your finance from Happy Motor Finance, you are buying your car from a position of strength, since you will know your budget. Often, dealers can only offer a limited number of deals from a finance company. But at Happy Motor Finance, we have many lenders on our panel. Meaning, we can make sure you are getting the best finance deal for yourself when you use us to compare car finance. Plus, we do all the admin, paperwork, and negotiations with the dealer. Because this way, you can drive straight off in your newly purchased car instead of spending hours in the dealer’s sales office.


Contact info

4.9

Excellent

TrustScore 5 out of 5

181 reviews

5-star
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1-star

Replied to 100% of negative reviews

Typically replies within 1 week


Rated 5 out of 5 stars

What a fantastic company I would 1000%…

What a fantastic company I would 1000% recommend them to anyone ! Answered calls asap nothing to much trouble guided and helped me get great motor and made sure I had extended warranty and AA approved Zack dealt with me and is an absolute legend in my eyes nothing to much trouble and really professional and friendly thanks happy motor finance and a massive thanks to Zack the legend !!! 😊👍

October 24, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - glad we made you HAPPY 😃

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Rated 5 out of 5 stars

Excellent service. Very impressed.

Great service all round from Zach. I approached HMF to establish whether I could say any money by switching my existing car loan from another provider. Within minutes, Zach had a loan agreed at a significantly lower interest rate, and saved me over £100 a month. Thanks, Zach!

October 22, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - glad we made you HAPPY 😃

Rated 5 out of 5 stars

Absolutely amazing

Absolutely amazing. Helped with every step of the way and explained everything. Didn’t push me and just guided me. This is my first time using this company and I would highly recommend them! Nothing was too much trouble. I must have sent about 20 cars for them to check and at no point did the customer service drop or did I ever feel I was putting the team out. They just helped and were patient. Big shout out to Ali and the team….I have a decent new motor and it was these guys that helped make it happen, thank you!

September 13, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks Ian for your Review, glad we made you HAPPY :)

Rated 5 out of 5 stars

Brilliant just brilliant

From receiving my first contact I felt very confident that I was dealing with a professional company that is aiming to help me. Within 72 hours my loan was completed without any real problem. Leon and his team are more than happy to help you. If I could give them 10 stars I would.
Give Happy motoring finance ago. You won't be sorry.
Altogether a brilliant company.

July 30, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - glad we made you HAPPY 😃

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Rated 5 out of 5 stars

I dealt with Kirsty she was so helpful…

I dealt with Kirsty she was so helpful and delightful to speak with. Really happy with my experience she made sure I fully understood what was going on and helped me have a very human experience thankyou

July 3, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - glad we made you HAPPY 😃

Rated 5 out of 5 stars

Smoothest experience ever

My experience has been nothing but amazing! Kirsty was so efficient and within 24 hours everything was organised and I collect my car tomorrow. Its been so smooth and very acommodating considering I couldnt take calls in the day, the option to use whatsapp is perfect. Thank you so much.

June 27, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - glad we made you HAPPY 😃

Rated 5 out of 5 stars

Great customer service

Really smooth experience, great customer service throughout. Would 100% recommend 👌

June 13, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - glad we made you HAPPY 😃

Rated 5 out of 5 stars

Kirsty is the best

I was struggling to get a car as soon as possible as my car broke down so I applied for finance on several sites.
From all of the people who get in touch with me, Kirsti was the best professional and kindest person.
She helped me out straight away, she answered my questions, she searched for cars evaluation, she answered my messages, she advised me, she offered her knowledge and empathy.
I have got the car the second day I saw it with no stress and with confidence just because she guided me through the whole process.
If you need a car, ask for Kirsty.
Thank you, Kirsty.

June 6, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - glad we made you HAPPY 😃

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Rated 5 out of 5 stars

Very professional

Very quick friendly and professional service
Highly recommend for any credit levels

June 5, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - glad we made you HAPPY 😃

Rated 5 out of 5 stars

Kirsty was the person I was dealing…

Kirsty was the person I was dealing with and she made the entire process so easy and hassle free, highly recommend.

May 30, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - glad we made you HAPPY 😃

Rated 5 out of 5 stars

AMAZING

Both me and my friend used happy motor finance, we had one advisor called kirsty who was amazing.
Gave us both all the time in the world to make sure we where happy and satisfied with our decisions. Kirsty assisted me and help with every step! By far the best experience I have had with a finance company.

May 26, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review John - Glad we made you HAPPY 😃

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Rated 5 out of 5 stars

Would happy come back again!!

In my experience with Kirsty at Happy Motor Finance, she delivered an excellent customer service to me, being very knowledgeable about the process and did not hesitate to answer any questions that I had. This was a very fast, and hassle free experience and I could not believe how easy it was having never bought a car through finance before. Would happily use this service again!!

May 26, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review Joel - Glad we made you HAPPY 😃

Rated 5 out of 5 stars

Kirsty was a great help very…

Kirsty was a great help very communicative all the way through the process, even when there was a little hiccup with the dealer, sorted straight away

April 24, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review Daniel - Glad we made you HAPPY 😃

Rated 5 out of 5 stars

Very helpful throughout

Happy Motor Finance has provided me with a quick and competitive finance option for my next HP car purchase.

Kirsty was in regular communication with me to accelerate my financing with various lenders.

I am extremely impressed with the customer service. All my concerns and queries were answered and explained in sufficient detail to give me a better understanding of the entire process.

The available WattsApp communication helped me continue my application when unavailable to talk on the phone.

Overall, Fab service!

April 17, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - Glad we made you HAPPY! :)

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Rated 5 out of 5 stars

I spoke with kirsty from happy motor…

I spoke with kirsty from happy motor finance and not only did she seal the deal for me on my first 125 motorbike she was always on call to assist me with any issues that I had with the process, kirsty is a credit to the company her customer service was well above board and i know this as i use to work in the financial sector myself and in vehicle sales the only issue she couldn't solve would be an issue with the finance company ie they wouldn't finance a certain type of vehicle or they wouldn't cover negative equity without a deposit which was out of her hands however she would always try other solutions or keep me informed 5 * service I would happily use happy motor finance again because of kirsty

Thank you again for all your support

Kind regards

Ryan

April 16, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - Glad we made you HAPPY! :)

Rated 5 out of 5 stars

Both Leon and Kirsty were very…

Both Leon and Kirsty were very professional, caring and very respectful.
Easy WhatsApp communication, updates with information from start to finish!
Answered questions immediately.
Made experience very simple, smooth and did everything correctly!
Started with Leon, but on his day off, Kirsty continued until he was back in the office, great team work!
Would highly recommend!!

April 14, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - Glad we made you HAPPY! :)

Rated 5 out of 5 stars

Kirsty was absolutely amazing

Kirsty was absolutely amazing and walked me through each step of the process. Great service throughout! :)

March 21, 2025
Unprompted review
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Reply from Happy Motor Finance

Thanks for your review - Glad we made you HAPPY! :)

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