Representative 30.9% APR
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 Review Centre.
All of our loans are on a Hire Purchase agreement. Here's how it works:
Just so you know... you may not always have to pay a deposit. It will depend on the value of the van and your credit limit.
We use Experian, one of the UK's top credit reference agencies, to run our credit checks. This helps us to understand your credit history, which is one of several factors we take into consideration when making a decision on your approval for vehicle finance.
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."
Applying for bad credit van finance is as simple as one, two, three!
Fill out our online quote form to get an instant decision on your eligibility and see how much your monthly repayments would be.
Having bad credit shouldn't stand in your way. We want to help you find the van finance agreement that works for you. For more information, check out our fixed and flexible criteria:
We'll always lend responsibly, but we can be flexible on things like the age of the van and the length of your repayment term.
We’re authorised and regulated by the Financial Conduct Authority (FCA).
We're committed to treating customers fairly and giving clear, honest information so you can trust us to put your best interests first every step of the way!
Every application is unique and the final cost will depend on a few different things. These include the cost of your van, the length of your repayment term and your credit history. Use our calculator to get an idea of how much a bad credit van finance agreement costs, with no commitment to apply.
We can help you get on the road. Explore van finance options tailored to poor credit
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.
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.
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.
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.
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.
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.
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:
We're SAF Approved by the Finance & Leasing Association (FLA), which means that all of our customer-facing employees have passed the Specialist Automotive Finance (SAF) Expert test. This ensures our team members have all the relevant knowledge to advise you on available finance products and help find the right one for you!
Jonathan | Mar 2025
Jonathan | Dec 2023
Jul 2024
It takes a matter of moments to get your quote, it costs nothing and you can do it without impacting your credit score.
This page was last reviewed in March 2025.
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 Citizens Advice and MoneyHelper.
