Van dealers

Specialists in sub-prime van finance

sub prime finance van

We specialise in self-employed van finance! Whether your customer’s a courier, builder, mobile hairdresser, or just needs a van to get them from A to B – we can help! Whether you're customers are looking to finance a short or long wheelbase van, we can provide finance on a wide variety of vans, from brands such as Ford, Mercedes-Benz, and Vauxhall.

Many van dealerships may find their options limited when it comes to securing finance approvals for their sub-prime customers. We’ve specialised in sub-prime van finance for over 20 years; financing vans for customers with a thin credit file or bad credit history, that may have been declined by other lenders.

Our flexible van underwriting criteria for van dealerships

Whilst our flexible criteria helps us to lend responsibly, we are flexible on things such as the age of the van, mileage, and the lengths of our agreements. We have no vehicle age limit in our lending criteria, and we can finance petrol vans up to 120,000 miles and diesel vans up to 160,000 miles! This is because we understand the importance in getting an approval for finance on the van your customers want to buy from you. Our underwriters review each application on its own merits, which gives us the ability and flexibility to approve complex deals other lenders may not even consider.

We know that it can be challenging to get approvals for self-employed customers because they often struggle to prove their income. To make this easier for our van dealer partners we use Open Banking, which means you no longer have to upload bank statements and your customers don't need to find or request paper copies either.

Fixed van finance criteria

Aged 21+
UK resident
Petrol maximum mileage: 120,000
Diesel maximum mileage: 160,000
Income deposited into a bank account

Flexible van finance criteria

18 - 61 month terms
No deposit required
£2,000 - £15,000 lend
Minimum one year self-employed (if applicable)



Faster payments

We pay our van dealer partners via Faster Payments, which allows us to send funds on completed finance agreements within 15 minutes upon receipt of all documents and proofs *. This allows us to process your onsite customers who want to drive away the same day. Our approach to sub-prime van finance, allows us to help our dealer partners sell more vans, and assist customers finance the van they want. 

*97% of the time

Stay in control of your applications

Our dedicated Dealer Portal is available to all our dealer partners. This allows our dealer partners to propose customers, upload documents, eSign customers, get real time updates on the status of all pending applications, and get instant decisions and credit limits. We also have a chat system built into our Dealer Portal, so if you’ve got a query or have an update for us and don’t have time to call, you can drop us a message and a real person will reply to you with an update.

An award-winning service

an award winning sub prime finance company

We’ve been voted Car Dealer Magazine’s ’Sub-Prime Finance Provider of the Year’ eight times!
But it’s not just our dealer partners who believe we have an award-winning service, our customers ratings and reviews contributed to us winning the Feefo Platinum Trusted Service Award for excellence in customer service! In September 2022, we were also recognised for the great service we provide to our customers and named ‘Best Car Finance Provider’ and ‘Firm of the Year’ in the Consumer Credit Awards.

Partner with us

Partner with us

If you want to work with one of the best sub-prime finance companies in the UK, First Response Finance is here for you. Our flexible criteria, award-winning service, and consistent recognition from the industry, we are the go-to sub-prime finance company in the motor trade that you can trust.

Partner with us and experience the difference of working with the best subprime finance lenders, dedicated to helping you and your dealership get more deals over the line. If you don’t currently work with First Response Finance and would like to discuss how we can help you and your sub-prime customers, click the button below fill out the form, and Brad from our team will be in touch to discuss how we can help you sell more cars on finance.

Partner with us

If you would prefer speaking to us directly, give us a call on 01156711755, and ask for Brad.