Eligibility FAQs

Customer Support

I am unemployed, can I get vehicle finance?

You do not need to be employed to obtain vehicle finance through First Response Finance, but you will need to have a regular income as we will only lend to you if you can afford to pay the loan back over the period of time we agree. 

Please be aware that we will ask for evidence of your income to support your vehicle finance application.

I am self-employed, can I get vehicle finance?

Yes, you can get vehicle finance if you are self-employed.

You will have to supply your last three months’ bank statements in order to prove your income – if you do not put income into a bank account, we will not be able to provide vehicle finance.

Do you need a van for work? Visit our Van Finance or Self-employed Van Finance page to find out more about the vans we can finance!

I am in the armed forces, can I get vehicle finance?

Yes, you can get vehicle finance if you are in the armed forces.

I am under the age of 21, can I get vehicle finance?

We can provide vehicle finance to anyone over the age of 18. However, if you are under the age of 21, there are some restrictions with the types of vehicles that we can finance; we can only provide car finance and our maximum lend is £5,000.

For more information about car finance, check out our Car Finance page.

I have previously been rejected for finance by another company, can I still get vehicle finance?

Every day we provide finance to customers who have previously been rejected elsewhere.

Before applying for vehicle finance, we recommend that you take a look at our Finance page to ensure that we are the right company for you, and to make you aware of the pros and cons of our Hire Purchase product.

I have 'bad' credit, can I get vehicle finance?

If you have had difficulty obtaining credit in the past, whether this being a result of missed payments, a self-employed status, or having little to show on your credit file, we may still be able to help you. When you apply for vehicle finance, we will have a conversation with you to understand the circumstances around why you have got 'bad’ credit and make a decision from there.

I am in debt, can I get vehicle finance?

Your current loans and credit commitments will be taken into consideration when we are making a decision on your approval, and we will discuss with you what would be a sensible level of additional commitment that will not overstretch you during the term of the finance agreement.

First Response Finance is a responsible car finance lender and all decisions are made in the best interests of the customer. We will never approve an application if we believe you may struggle with repayments.

Get independent advice on money, finance products, debt management, and budgeting through Citizens Advice and Money Helper.

Citizens Advice Money Helper

I have an IVA, can I get vehicle finance?

If you have an IVA, we can only consider providing you with vehicle finance if you have the express permission of your Insolvency Practitioner – it is best to get this before you apply.

I am not a homeowner, can I get vehicle finance?

Yes, you can get vehicle finance if you are not a homeowner – most of our customers do not own their own home.

I do not own a bank account, can I get vehicle finance?

We require all of our customers to have a UK bank account as we will setup a Direct Debit for your vehicle finance repayments.

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