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Finance Help

Finance Help

Firs Response Finance

Need Car Finance & have Bad Credit? We can help!

Over the last 40 years Beddows Motor Company have been providing car finance for people who have previously had credit problems, whether you've had CCJ's, Defaults, Ex-Bankrupts or you're Self Employed we believe that we can help.

Beddows Motor Company currently have access to a sub-prime car finance product from First Response Finance who are award winners in this industry! First Response has a wealth of experience in the sub-prime motor finance industry providing bad credit car finance to well over 100,000 customers and have a great customer service reputation that can be reviewed on

The usual time frame for a finance agreement is 48 hours but we can sometimes take up to 5 days.

What is car finance?

The product we use is called Hire Purchase otherwise known as HP, it is one of the most popular types of financing cars as you can pay off the balance in affordable monthly instalments at a fixed rate of interest.


The credit is secured against the vehicle being purchased and you are paying a fixed monthly payment over an agreed term, you will own the vehicle once all monthly payments and an option to purchase fee has been paid in full.

Hire Purchase - Pro's & Con's

  • Simple to arrange
  • Fixed monthly payments
  • Fixed interest rates
  • Flexible term lengths 24-48 months
  • Cars HPI checked
  • Vehicle belongs to you after final payment
  • Particularly suitable for purchasing vehicles
  • The vehicle belongs to the finance company until you pay your final payment
  • If you don't keep up your repayments your vehicle will be at risk of being repossessed
  • Hire Purchase is not suitable if you are planning on paying off your loan within a short period of time

If you have any questions regarding finance products, debt or budgeting you can source independent advice from either Money Advice Service or Citizens Advice Bureau.