Use our van finance calculator to get an idea of how much a van finance agreement with us costs.
Representative 30.9% APR
Select the option that best describes your credit rating.
There are no additional fees
Representative
28.9% APR
Our van finance calculator is for Hire Purchase agreements. It doesn't apply to Personal Contract Purchase (PCP), which we don't offer.
We can provide Hire Purchase loans of £2,000 to £15,000 and it works like this:
Our tool is simple to use:
Just so you know... our van finance calculator is for illustration purposed only. The figures shown are to give you an idea of costs and they may change once you give us more details when getting a personalised quote.
Our tool is always best used honestly. If you don't have the best record with credit, you should enter your credit as "average" or "poor". That way, you'll get a truer representation of how much an agreement will cost. The APR that you see is reflective of the APR for those factors (how much you're borrowing, how long for, and your credit rating).
You've had frequent address changes and may not be on the electoral roll at your current address.
You've had a patchy employment history, possibly with periods of unemployment.
You have a high level of indebtedness and make frequent applications for credit.
You have defaults or County Court Judgements (CCJs) and have made late payments.
You've been a resident at your address (whether owned or rented) for at least three years and are on the electoral roll at that address.
You have a stable employment history and you're in current full-time employment, or have been self-employed for a long time.
You have a history of credit (mortgages, credit cards, loans etc.) with very few missed payments.
You've made infrequent credit applications and have no defaults or CCJs.
You've been a resident at your address (whether owned or rented) for at least three years and are on the electoral roll at that address.
You've been with the same employer (or self-employed) for at least three years.
You have a long history of credit (mortgages, credit cards, loans, etc.) with no missed payments.
You've made infrequent credit applications and have no defaults or CCJs.
Sam, Operations Manager at First Response Finance, is here to answer that one for us:
"No! The tool is there to give you an idea of how much financing a van with us would cost. It's completely free, you can play around with the numbers as much as you like and there's no credit check involved.
If you go ahead and apply for a loan, we'll run a hard credit check as part of the process. This will appear on your file. If you're approved and you meet all your repayment obligations, though, this shows you can borrow responsibly and can actually improve your credit score."
Our van finance calculator is a free, quick and easy way to work out the affordability of our loans. It's far from the only reason to choose us as your provider:
Get a personalised quote that's tailored to your budget and see how affordable a van could be!
This page was last reviewed in February 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.
