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Bad Credit Van Finance | Poor Credit Van Finance | First Response Finance

Bad credit van finance

Get a quote for bad credit van finance

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The term "bad credit van finance" refers to loan options aimed at people with less-than-perfect credit or minimal credit history. These types of loans can also be suitable if you've applied for finance elsewhere and been turned down. Bad credit van finance offers a lifeline by offering you a realistic opportunity to take out a loan for a vehicle you need. 
We've been providing these loans for more than 20 years and are specialists in this area. We're a lender you can trust and have been voted the UK's No.1 for motor finance on <a href="https://www.reviewcentre.com/reviews119744.html">Review Centre</a>.

What is bad credit van finance?

All of our loans are on a Hire Purchase agreement. Here's how it works:
<ol>
<li>You put down a deposit on the van and borrow the rest of the money from us.&nbsp;</li>
<li>You repay the loan in regular instalments over a pre-agreed period. These payments can be made weekly or monthly.</li>
<li>Interest is charged on those instalments, so you end up paying back more than you borrowed in the first place.&nbsp;</li>
<li>Once your loan is paid off, the van is legally yours.</li>
</ol>
Just so you know...&nbsp;you may not always have to pay a deposit. It will depend on the value of the van and your credit limit.&nbsp;

Van financing on bad credit: How does it work?

Bad credit myths

You might have bad credit because...

Reasons for bad credit

An important question - and one that our Head of Underwriting, Craig, is here to answer: 
"Securing van finance with bad credit can be more challenging but it's certainly not impossible. We focus on understanding the bigger picture, helping you find realistic options that suit your circumstances - so, while bad credit may narrow your choices, responsible lenders like us are still willing to say 'yes' when the numbers add up."

Is it more difficult to get van finance with bad credit?

Fill out our online <a href="/get-a-quote/" title="quote form">quote form</a> to get an instant decision on your eligibility and see how much your monthly repayments would be.

If you're happy to move forward with your quote, all you need to do is choose a repayment option and then we’ll send you a text message and/or email with the next steps.
Just so you know... the terms given in your quote are just examples and can be changed, you’ll just need to <a href="/retrieve-quote/" title="proceed your quote">proceed your quote</a> first.

Choose your repayments

Once you've chosen the van you'd like to purchase, we'll send you the legal documentation that details the proposed finance agreement - you'll need to take some time to read through it, so you can properly understand what you're agreeing to.
If you're happy to proceed, you can go ahead and sign the paperwork.
Just so you know... before we send over the legal documentation, you'll need to send over proof of driving licence and proof of income, i.e., bank statements and/or payslips.
We'll pay the dealership directly (funds are usually transferred within 15 minutes*), and you can&nbsp;drive away in your new van!
*97% of the time

Sign and drive away

Explore your payment options

Fixed Criteria

Flexible Criteria

Our application criteria

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<h2>How much does it cost to finance a van on bad credit?</h2>

We can help you get on the road. Explore van finance options tailored to poor credit

Van financing on bad credit made possible

Our bad credit van finance options are designed for people who've had credit challenges in the past. We want to make vehicle loans more accessible to a wider range of customers and we understand the unique circumstances you face if you have bad credit. That's why we can offer solutions that meet your needs.&nbsp;

Accessible financing

Taking our van finance on bad credit through Hire Purchase opens the door to vehicle ownership. Once the loan is repaid, the van is yours to keep. It counts as a financial asset and you could use it in part-exchange when buying another vehicle in the future.&nbsp;

Vehicle ownership

By consistently making your repayments in full and on time, you can boost your credit score. It shows financial discipline and sends positive signals to credit agencies, proving that you can be trusted to handle credit responsibly.&nbsp;

Credit improvement opportunities

Securing bad credit van finance can make you feel empowered, knowing that you've taken a major step towards rebuilding your financial stability. This renewed confidence can postively impact other aspects of your life and may even encourage you to think about other financial goals.&nbsp;

Rebuilding financial confidence

We understand how hard it can be to borrow if you have bad credit - but we're willing to adapt to your situation and be as flexible as possible. We may be able to offer you lower down payment requirements, longer loan terms and manageable interest rates.&nbsp;

Flexible terms and conditions

Bad credit van finance plays an important role in empowering individuals with poor credit histories to regain their financial footing and improve their creditworthiness. By providing access to vehicle finance, we enable borrowers to demonstrate responsible financial behaviour, such as making regular payments. Timely repayments on van loans can positively impact credit scores, helping people to rebuild their credit files and open doors to future financial opportunities.

Why choose First Response Finance for bad credit van finance?

Not sure if a Hire Purchase is the best way for you to access van finance on bad credit? We've broken down the arguments for and against:

Hire Purchase pros and cons

We're here to help you understand van finance and bad credit...

Bad credit van finance FAQs

It takes a matter of moments to get your quote, it costs nothing and you can do it without impacting your credit score. 

Apply for van finance on bad credit today

This page was last reviewed in March 2025.&nbsp;
First Response Finance is a responsible vehicle finance lender, and all decisions are made in the best interests of the customer; based on credit scores, status, and income at the time of application. We'll never approve an application if we believe you might struggle with repayments.
Get independent advice on money, finance products, debt management, and budgeting through <a rel="noopener" href="https://www.citizensadvice.org.uk/debt-and-money/" target="_blank" title="Citizens Advice">Citizens Advice</a> and <a rel="noopener" href="https://www.moneyhelper.org.uk/en?source=mas" target="_blank" title="MoneyHelper" data-anchor="?source=mas">MoneyHelper</a>.

Explore bad credit van finance options at First Response Finance. Check your eligibility without impacting your credit file with a fast and free quote.