At First Response Finance, we’ve been helping people across the UK with their car finance needs for over 25 years – and that includes thousands of happy customers in Birmingham. Whether you’ve had credit problems in the past or this is your first time applying for vehicle finance, we’re here to make the process as smooth as possible. With offices in Chilwell, Leigh, and Glasgow, we work with trusted dealerships across the Midlands and the rest of the country.
Birmingham is a major UK city with a proud industrial history, a thriving shopping scene, and an exciting mix of cultures. From the historic Jewellery Quarter to the vibrant nightlife of Broad Street, there's always something going on. And while the city is well connected by public transport, owning a car can make life that little bit easier – especially if you're commuting, heading out to the countryside, or just want more flexibility.
Don't let bad credit stop you!
Let us help you get on the road - explore car finance options tailored to poor credit.
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28.9% APR
Bad credit car finance in Birmingham
Worried about bad credit? You’re not alone – and it doesn’t mean you can’t get car finance. At First Response Finance, we specialise in helping people in Birmingham and beyond who may have had financial difficulties in the past. We’ll take the time to understand your situation and guide you through your options.
It doesn’t matter if your credit score isn’t perfect – we look at more than just your credit file, and we may still be able to help.
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Motorbike finance specialists in Birmingham
Looking to get out on two wheels in Birmingham? Whether you’re commuting into the city centre, heading for the open roads of the West Midlands, or just want a fun and flexible way to travel, we can help you secure motorbike finance. From 125cc models to electric bikes, we’ve supported riders across the region for over 20 years.
We also work with motorbike dealerships across the UK, so we can help you find the right bike too – not just the right finance deal.
Van finance specialists in Birmingham
If you’re self-employed or running a business in Birmingham, a van might be essential for your work. But if your credit history is holding you back from securing finance, First Response Finance may be able to help. We’ve supported thousands of people with van finance, regardless of credit score.
Even if you’ve been turned down before, speak to us – we may be able to offer a solution that works for you.
Vehicle finance FAQs
Hire Purchase: the pros and cons
Unsure if a Hire Purchase agreement would be suitable for you? We can help you weigh up the positives and negatives:
- Fixed interest rate
- Simple to arrange
- No deposit required
- Flexible terms (18 - 61 months)
- No annual mileage restrictions
- Fixed monthly (or weekly) repayments
- You own the vehicle once the final payment is made
- Customers are protected under the Consumer Rights Act (2015)
- Finance is subject to status
- You don't own the vehicle until the final payment is made
- Because of the interest on your instalments, you end up paying back more than you borrowed initially
- The vehicle's at risk of repossession if you don't keep up with repayments
- Not suitable if you plan on paying off your finance agreement within six months
Looking for vehicle finance in Birmingham?
Let us help you get on the road - explore our range of finance options created with you in mind.