Bad Credit Car Finance

Car on Finance with a bad credit history

Our bad credit car finance product is designed for people who have had credit issues in the past, as we believe your credit history shouldn’t haunt you when you’re after the car of your dreams!

You may have a bad credit file because you’ve missed a few payments on household bills or fell behind on a finance agreement in the past. Maybe you have previously been made bankrupt and are looking for a solution to rebuild your credit file and get back on track?

First Response Finance are specialists in bad credit car finance solutions, for customers who typically have a below average or poor credit score, which may have resulted in being declined from other finance companies on the market.  

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Representative 29.9% APR

We've financed over 185,000 customers who have previous credit problems or poor credit histories!

Having given over 185,000 customers car finance during the last 20 odd years, we try our best to get to know your application on a personal level – minimising the difficulties and stress you may have already experienced whilst trying to get a vehicle on finance previously.

There are a number of reasons that you may have previously been classed as having ‘bad credit’, these can vary in a range of circumstances, but here’s an idea:

  • Have never taken out a loan before or always paid in cash, meaning you have no credit history
  • Shared credit with another person who had/has credit issues, and now your file is associated
  • Making some bad financial decisions, such as taking out large credit agreements and being overwhelmed with repayments you cannot pay
  • A build-up of missed payments. which led to your account defaulting or then escalating to CCJ’s

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First Response Finance specialise in helping those with bad credit histories.

Being in the dark about your credit and how it may affect your ability to get any kind of finance can be a difficult situation to find yourself in. It can be hard for lenders to trust you as your credit history only displays how you have handled the last 6 years of you finances, despite knowing yourself you're in a better financial position now to keep repayments up.

When it comes to our bad credit car loans, rest assured knowing we deal with each application individually. In addition to your credit file we consider the personal circumstances which may have lead to any previous credit issues, and aim to discuss your application with you over the phone if we feel we need to - we want to say ‘Yes’. If you want to learn more on how you can build and maintain a healthy credit score and the financial benefits that comes with doing so - take a look at our blog on improving your credit file.

No matter your circumstances, we will carry out realistic affordability checks to ensure the finance agreement we offer is reasonable and affordable for you to repay across an agreed term. 
Please note: some customers are automatically accepted and refused.

Take care of your finances with First Response FinanceBad credit car finance could be a great chance for you to improve your credit score. Since we started in 1998 we've helped a large amount of customers finance a vehicle that they’ve needed for their job, family or general use.

We believe the reason a large number of customers choose us is because we don't just credit score, we speak to most customers and listen to their situation, please note: some people are automatically refused.

We like to talk to applicants to try and understand their circumstances. This approach has made us the UK’s number car loan company on Review Centre (as voted by our customers).

About Hire Purchase

How do I apply for car finance for bad credit?

Bad credit car finance could be for youBad credit car finance may be for you. Use our finance calculator to decide if a bad credit car finance agreement with First Response is right for you.

The finance calculator allows you to enter your credit rating, finance amount and term to see an estimate of costs.  Please be aware this quote could change depending on the information you tell us at interview.

Applications should take around 5 minutes. Remember: be as honest as possible as we’re here to help you, not judge. The more information we have about your current and past finance situation will help us when it comes to deciding whether we can finance your next vehicle.

Can I get car finance with a bad credit history?

This will all depend on your current circumstances. We’d love to say ‘yes, absolutely!’ but unfortunately it’s a little more complex than that. With any form of finance there are always going to be people who are turned away, however, we will always try our best to approve you if it is the right thing to do for you and us.

Every day at First Response we talk to people who are looking to get bad credit car loans with bad credit histories and we always try our best to help, however, we will never agree to finance if we believe it will put you in more financial difficulty.

Use our finance calculator

Hire Purchase Pros & Cons

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

If you're interested in finance make sure you read our application process to understand how your application will be dealt with.


  • are regularly missing payments
  • are on a special arrangement
  • do not bank your income

Make an application

Customer reviews

Below you will find a selection of our latest reviews from customers. To date we have over 3,300 independent reviews, 98% of who would recommend us.  We are rated the number one car loan company on the site with a rating of 4.9/5.0.

Please be aware that we have made slight amendments to the punctuation and capitalisation of the following reviews in order to make them easier to read. You can view the original review by clicking the relevant link.

Fantastic company to deal with. No issues completely hassle free. I've had bad credit and this company was able to offer me finance even though my credit history hasn't been great. I'd thoroughly recommend this company to anybody. Great customer service skills, very prompt and thorough throughout the whole process (and considerably cheaper compared to the first finance company I went to). Thanks First Response for all your help!View original
“Excellent from start to finish, no fuss, no hassle, no mountains of paper work AND accepted me while others wouldn't! I now, not only have the car I wanted, I have it at a price I can easily afford. Would have no hesitation in recommending First Response Finance to anyone wishing to finance the purchase of a car.” View original

If you have any questions regarding finance products, debt or budgeting you can source independent advice from either:

Money Advice Service

Citizens Advice Bureau

Data correct as of 27/01/2021