

At First Response Finance, we have over 25 years of experience helping the people of Nottingham with their vehicle finance needs, especially those with bad or limited credit history. Based in Chilwell, we have offices across the UK in Leigh and Glasgow, as well as partnerships with countless vehicle dealerships up and down the country. We’re proud to have helped thousands of customers secure finance for their new vehicle regardless of where they are based in the UK, and pride ourselves on being a national business with in-depth local knowledge where needed. Buying a new car may seem scary at first, but with our friendly team on-hand to help, the process will be made as simple and straightforward as possible.
Nottingham is a vibrant city in the East Midlands, known for its rich history, lively cultural scene and, of course, the legend of Robin Hood. It boasts a mix of historic architecture and modern development, with attractions such as Nottingham Castle, the independent scene in Hockley, and Old Market Square. The city is also home to two major universities, and a number of elite sports teams, giving it a youthful and energetic atmosphere.
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 Nottingham
If you’re worried that your credit history could impact your chances to secure car finance, you needn’t despair. First Response Finance, headquartered right here in Nottingham, can help you secure car finance, even if your credit score is less than perfect. We can be on hand for every step of the process to answer any questions that you may have.
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Motorbike finance specialists in Nottingham
Looking to take the road on two wheels in Nottingham? We can help! We've been providing the people of Robin Hood's County with Motorcycle Finance for over two decades and have links with specialist motorcycle dealerships across the UK to help source your next bike if you need a hand. We’re also able to finance 125cc motorcycles and electric motorcycles too.

Van finance specialists in Nottingham
If you run a business or are self-employed in the Nottingham area and are on the lookout for a new van, you may need to secure finance before being able to complete your purchase. That's where we come in. We've been helping people across the country secure finance on their new van, regardless of credit history, for years. If you're concerned about being turned down or have been turned down in the finance in the past, we may still be able to help.
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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 Nottingham?
Let us help you get on the road - explore our range of finance options created with you in mind.