As HP finance is secured on the car you buy, the lender is more likely to approve your application if you’ve missed payments or had CCJs in the past. It’s important to remember: If you have a poor credit history, it is still possible to get a HP deal A stronger credit score will improve your chances of being accepted for the HP deal you’re after When you compare hire purchase finance through MoneySuperMarket, we’ll do a ‘soft search’ - so your credit score won’t be affected