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Car loans

Worried about your credit rating? Our ‘bad credit’ finance experts have provided car finance to over 130,000 people who, just like you, have struggled getting approved elsewhere.

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Bike loans

Want a motorbike but need finance? First Response are one of a small number of finance companies who are happy to supply bike finance to those who have struggled with bad or poor credit.

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Van loans

Interested in getting van finance? Need a new or used van for your business needs? Our relationships with dealerships across the UK could help you find the one you’ve been looking for.

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Finance calculator

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Putting service before profit

At First Response Finance we put customers at the heart of everything that we do. We understand that helping you, our customer, as much as we can before, during and after your agreement will make us stand out from the competition. We don’t think like most finance companies and we don’t want to. Our unique way of thinking and doing business is one of the reasons we were voted Car Dealer Magazine’s “Sub-Prime Finance Provider of the Year” 2016 and we’re also rated as the UK’s favourite car finance company on Review Centre under the category ‘car loans’.

With First Response Finance you can be sure that our team will ensure your personal circumstances are taken into account and catered for – this is because we treat you as a person, not a number.

Apply for pre-approval with us

At First Response Finance we understand that some people find getting approved for finance once they’ve found a car can be stressful and time-consuming. In order to avoid this stress we suggest that you apply for pre-approval before you search for your car, this way you will know the maximum amount you can spend and you won’t be rushed into choosing your dream car.

Have trouble with getting credit? Don’t worry, First Response Finance is classed as a ‘sub-prime’ lender, which means that we specialise in helping people who have had poor, bad or limited credit files in the past.

Think you’re ready to apply? Make sure you read our application dos and don’ts and ensure you have all of your information ready.

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First Response statistics

The product we offer is Hire Purchase which is one of the most popular ways to finance a vehicle within the UK. Whether you’re looking for van finance for your personal or business needs, bike finance for weekend riding or looking for a much needed car, our Hire Purchase product could help you.

Hire Purchase Pros & Cons

Pros
  • Simple to arrange
  • Fixed monthly payments
  • Fixed interest rates
  • Flexible term lengths - between 18-60 months
  • The vehicle belongs to you after the final payment
  • Deposits are not required
  • No annual mileage restrictions (unlike PCP)
  • You are protected under the Consumer Rights Act 2015
Cons
  • The vehicle is at risk of repossession if you do not keep up repayments
  • You do not own the vehicle until after your final payment
  • Not suitable if you plan on paying off your loan within 6 months
  • Finance is subject to status and not guaranteed

More on Hire Purchase

Read our Reviews