At First Response Finance, we've spent more than 25 years helping people across the UK – including those living in London – to find the right finance options for their vehicle, especially if they've struggled with bad or limited credit in the past. While we're based in Chilwell, with offices in Leigh and Glasgow, we work with trusted dealerships up and down the country, including many in and around Greater London. Wherever you're based, our friendly and experienced team will support you through the car finance journey, keeping things simple and stress-free from start to finish.
London is a world-famous city known for its history, diversity, and endless things to see and do. Whether you're catching a glimpse of Big Ben, enjoying a stroll along the South Bank, or commuting from one borough to another, having access to a reliable vehicle can make all the difference. While the capital has an excellent public transport system, many Londoners choose to own a car to make longer journeys easier or reach places public transport can't.
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 London
If your credit history isn't perfect, you might be worried that getting approved for car finance in London will be a challenge. But that's where we come in. At First Response Finance, we've helped thousands of people in similar positions – and we don't believe that a poor credit score should hold you back. We look at your full situation, not just your credit file, and we're here to guide you every step of the way.
Whether you're driving around central London or further afield in zones 4, 5, or 6, we'll help you explore finance options that suit your circumstances and budget.
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Motorbike finance specialists in London
Thinking about swapping four wheels for two? Our motorbike finance service in London is designed to help riders get out on the road with ease. Whether you're looking for a 125cc motorbike to get you around the city, a reliable commuter bike for daily travel, or an electric model to keep things eco-friendly in the ULEZ zone, we've got you covered.
With over 20 years' experience and partnerships with specialist motorbike dealerships across the UK, we're here to support you every step of the way.
Van finance specialists in London
Running your own business or working as a sole trader in the London area? If you need a van but don't have the funds upfront, First Response Finance can help you get behind the wheel. We've helped countless people with different credit backgrounds secure finance on vans for work and day-to-day use.
From removals to deliveries and everything in between, we understand how important a van can be to your job or business. Even if you've been turned down before, we may still be able to help.
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 London?
Let us help you get on the road - explore our range of finance options created with you in mind.