Bad Credit Car Finance

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

If you have had CCJs, defaults, financial arrears, or even gone through bankruptcy or be self-employed. If you're worried about having had very bad credit, it doesn’t necessarily mean you can’t get car finance.


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

Any application for finance with First Response or elsewhere will result in a credit search and may reduce your credit score

Make an application

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

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 30/10/2019