Representative 30.9% APR
Whether you're looking to buy your first car, a seven-seater for your growing family, or you simply fancy a change – we can provide finance on a variety of used cars!
Here at First Response Finance, we understand that not everyone has a perfect credit history. That's why we look at your current situation and affordability, not just your past.
Whether you've had CCJs, defaults, or missed payments in the past, we'll do our best to help you get on the road.
Every loan we provide is a Hire Purchase (HP) agreement. This means the finance is secured against the car, van, or motorbike, and you become the legal owner once the final payment is made.
Here's how it works:
Just so you know... a deposit isn't always needed - it depends on your credit limit and the cost of the vehicle.
The cost of your car, van, or motorbike finance will vary based on a few things, like the price of the vehicle, how much deposit you put down (if any), the length of your repayment term, and your credit history.
To make it easier, you can use our finance calculator to get an idea of what your repayments might look like - there's no obligation to apply, it's simply a helpful way to see what could work for you.
Select the option that best describes your credit rating.
There are no additional fees
Representative
28.9% APRWe're a specialist car, van, and motorbike finance lender with over 20 years of experience. We help people - even those with a less-than-perfect credit history - get the vehicle they need.
There are lots of misconceptions about vehicle finance, and they can put people off applying - especially if you've had credit challenges in the past. The truth is, vehicle finance doesn't have to be complicated!
Learn the key differences between Hire Purchase (HP) and Personal Contract Purchase (PCP), so you can choose the right finance option for your needs.
Find out how your credit score affects your vehicle finance options and what you need to know before applying.
Learn whether having a driving licence is essential to get approved for car finance and what else lenders take into consideration when you apply.
Good news! We work with thousands of trusted dealerships across the country, so can help you get on the road with a car, van, or motorbike that's perfect for you.
Absolutely brilliant! I would recommend First Response Finance to anyone. Great customer service - really polite, helpful, and understanding.
Verified customer, Feefo
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.
Explore your options with a quick, easy, and free quote - without affecting your credit score!
This page was last reviewed in September 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.
