Van Finance, Loans & Hire Purchase Agreements

Why choose us for your van loan?

Van Finance with First ResponseFinding van finance can be difficult whether it is for personal or business use, and we don’t think it should be. At First Response Finance we make financing a Light Commercial Vehicle (LCV) simple.  Our van finance process is the same as the one we have in place for cars and motorbikes, which means the process is quick and efficient for you.

We have spent the last few years working on our finance and loan process to streamline and simplify your experience. Due to this, we can now boast that almost 30% of our monthly business comes from customers returning for another finance agreement with us – this means you can apply for van finance with confidence!

Representative 32.9% APR

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Hire Purchase agreement

Your van finance will be a Hire Purchase (HP) agreement, the most common way of financing a vehicle in the UK. A Hire Purchase is a finance agreement that is paid through monthly instalments at a fixed rate over a fixed amount of time.

Use our van loan calculator to assess your options and match your budget, then apply online by adding a few simple personal details.

The process in detail

Fixed Criteria

  • Minimum 21 years of age
  • Petrol maximum mileage of 120,000
  • Diesel maximum mileage of 160,000
  • Minimum 2 years proof of UK residency
  • Minimum 1 year self employed
    (if applicable)
  • VAT is not eligible for finance

Flexible Criteria

  • £2,000 - £12,000 lend
    (up to £15,000 for returning customers)
  • 18 - 60 month agreement
    (majority are 24-36 months)
  • Deposits are not required

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What types of vans do you finance?
We finance both short & long wheel base vans.  The typical vans which we finance are Ford Transits, Vauxhall Vivaros & Vauxhall Combos however we will provide van hire purchase for almost any van available in the UK.

Do you finance vans for people who are self-employed?
We do provide van finance for self-employed customers, in fact the majority of our van agreements are for self-employed customers.

Do you finance VAT?
Unfortunately we will not finance VAT. VAT must be paid up front with your deposit or with your part exchange. For example if you wanted a van that was priced at £5000 including VAT, we would only finance £4000 which means you would need to pay £1000 VAT in addition to any deposit or part exchange. Get an idea of costs by using our van finance calculator.

Hire Purchase Pros & Cons

  • Simple to arrange
  • Fixed monthly payments
  • Fixed interest rates
  • Flexible term lengths 18-60 months
  • Vehicle belongs to you after final payment
  • Deposits not required
  • No annual mileage restrictions
  • You are protected under the Consumer Rights Act 2015
  • The vehicle is at risk of repossession if you do not keep up repayments
  • You do not own the vehicle until your final payment
  • Hire Purchase is not suitable if you plan on paying off your loan within 6 months
  • Finance is subject to status and not guaranteed

If you're concerned about money, debt or simply want some independent advice then take a look at the websites below. Both of these sites are there to help you understand your options when it comes to finance, and to provide extra advice on managing your finances.

Money Advice Service

Citizens Advice

Data correct as of 27/01/2021