All about First Response Finance

We are an award-winning vehicle finance company with offices in Nottingham, Leigh and Glasgow.

We employ almost 300 people in a range of roles from sales to customer experience to account management.

About First Response

Our primary product is Hire Purchase for used cars, motorbikes or vans. We also offer Personal Loans to existing customers.

More about our products

Vision: people, service, profit

We've had a refurb! View our offices

First we focus on our people

We believe everything starts with our own people.

Our recruitment process is amongst the most comprehensive in the industry to ensure we are selecting people with values similar to our own.

We invest heavily in training and have constant ongoing development so that our employees are skilled and well-equipped to service our customers in the best way they can.

Our people then improve and deliver our service

We see profit as an outcome of providing excellent products and services as, if we do these things well, profit will take care of itself.

As a business we reinvest our profits back into the business.

Our training programmes, development schemes and system upgrades are constantly being refined to ensure smooth and efficient success.

Reinvesting profits completes the cycle of our philosophy and compliments our continual learning and improvement culture.

Profit comes naturally

At First Response Finance we use a “systems thinking” methodology which means everyone within the business is engaged with the decisions we make - every view counts.

Our approach is designed to make our service and customer experience the best it can be.


Open and honest

We ask all employees to engage in a feedback culture which allows specific activities to be recognised on the spot.

The role of the First Response Finance management is to build and develop confidence in each individual.

We want our people to be comfortable and confident with their manager, their team and their environment so that they are able to question themselves, processes and the status quo.

We hire people who can reflect positively on their own performance and contribution and actively seek feedback on how to be the best they can be.

Customer Driven

We strive to only ever deliver a service (to both our dealers and our end customer) that we would wish to receive ourselves.

Team Player

Employees need to have an innate desire to work effectively as a team in order to develop their understandings and knowledge.

The environment at First Response Finance is one where people understand that everyone has strengths and weaknesses and the best results arise from working in harmony.

We've had a refurb! View our offices

Winning Attitude

A winning attitude is one that understands being good at what you do is a continual journey of making mistakes, learning from them and improving.

It is about taking risks and pushing personal boundaries and mental barriers.

We provide an extremely positive and trust-based environment where mistakes and setbacks are celebrated as learning opportunities and not condemned.

Purpose: Provide great credit solutions for non-prime customers

 As a business we have a guiding purpose which is to provide great credit solutions for non-prime customers. This purpose, alongside our Vision & Values allows us to drive First Response Finance forward.

Our History Timeline


Won Feefo Gold Trusted Service Award for customer reviews made in 2018

Placed 18th in the Sunday Times Top 100 Best Mid-Companies to Work For

Reworded our purpose to: "Provide great credit solutions through service excellence and continual improvement for non-prime customers"

Donated over £200,000 to Magic Breakfast and congratulated them on government funding

Changed charities to SANE, a UK mental health charity

Voted Sub-Prime Provider of the Year by Car Dealer Magazine

Processed our 1 Millionth Application

Placed 10th in the Sunday Times Top 100 Best Mid-Companies to Work For

We reached 4.95/ stars on Review Centre

We launched a Feefo platform for more reviews, we achieved 4.9/5

Voted Sub-Prime Provider of the Year by Car Dealer Magazine

We open a new business department in our Leigh office

Our first radio advert is launched on Smooth Radio East Midlands

Placed 9th in the Sunday Times Top 100 Best Mid-Companies to Work For

We open our own Feefo account as another place for customers to review us

We reached 1500 5 Star Reviews on Review Centre

Provided over 600,000 free breakfasts to school pupils through donations to Magic Breakfast

Placed 7th in the Sunday Times Top 100 Best Small Companies to Work For

Voted Sub-Prime Provider of the Year by Car Dealer Magazine

We reached 800 reviews on Review Centre with over 700 5* ratings

We became one of the first UK finance lenders to become fully FCA authorised

We achieved 500 reviews on Review Centre and averaged 4.7/5 stars

Our new dealer portal went live making it easier and simpler for dealers work with us

We became the number 1 Car Loan Company on Review Centre

Current Management Celebrate 10 Year Anniversary

New Consumer Direct Website Launched

Placed 37th in the Sunday Times Top 100 Best Small Companies to Work For

Voted Sub-Prime Provider of the Year by Car Dealer Magazine

2013: Placed 38th in the Sunday Times Top 100 Best Small Companies to Work For

Voted Sub-Prime Provider of the Year by Car Dealer Magazine

Placed 35th in the Sunday Times Top 100 Best Small Companies to Work For

First Response Finance achieved 85th in the Sunday Times Top 100 Best Small Companies to Work For

First Response Finance launch a personal loan product to assist customer needs

We begin cultural change adopting systems thinking and lean methodology to improve processes and services

Nottingham departments split into two offices to allow for additional training, development and growth

Improve company communication by starting company-wide annual conference

Establish learning & development library for employees

Begin cultural change from a profit orientated to a customer orientated business

Nottingham moves to Chetwynd Business Park allowing us to think on a much bigger scale

Don Brough was hired as CEO

Renewals team formed to meet the demands of returning customers

Joint venture was formed with Itochu Corporation and First Response Finance Limited was born

Response Finance Limited was formed



We are part of a large international organisation, Itochu Corporation, a company that is famed for brands such as Kwik Fit and Stapletons Tyres. You can find out more about each of these brands by clicking the logos above.



Find out about the number of different activities and projects we have in place to help local communities and the environment.


Our employees created a number of principles to help guide new colleagues in the right direction and keep up on track. 


We are authorised and regulated by the Financial Conduct Authority and are also members of a number of trade associations.