Bad Credit Car Finance

We understand customers who have previous credit problems

We've financed over 130,000 customers with poor credit histories!

If you have had CCJs, defaults, financial arrears, gone through bankruptcy or are self-employed then lenders may deem you as being a risk and class you as having bad credit. We’re here to tell you that bad credit doesn’t necessarily mean you can’t get car finance. First Response Finance are one of the small number of lenders who specialise in helping those with bad credit histories gain finance.


  • are reularly missing payments
  • are on a special arrangement
  • are self-employed and 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

Representative APR for bad credit car financeTake 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 actually speak to most customers and listen to their situation. This process actually improves your chance of approval as we have a chance to talk to you and understand your circumstances. Our customers seem to like this approach too as we’re now the UK’s number car loan company on Review Centre (as voted by our customers). Find out more about our Hire Purchase product below.

More about Hire Purchase

How do I apply for car finance for bad credit?

Bad credit car finance could be for youBad credit car finance could be for you. Use our finance calculator to decide if a bad credit car finance agreement with First Response is right for you.  By using the finance calculator you can enter your credit rating along with your desired finance amount and finance term to see an estimate of your monthly and total costs.  Please be aware that the quote you see is only an estimate and this could change depending on the information you tell us at the interview process.

Over the years we’ve improved our application system in order to make things as simple and easy as possible. Applications should take around 5 minutes and you should hear from one of our team within 24 hours. Remember; be as honest as possible on the application 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 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 24-48 months
  • Vehicle belongs to you after final payment & option to purchase fee
  • Particularly suitable for purchasing vehicles
  • The vehicle belongs to the finance company until you pay your final payment & option to purchase fee
  • If you don't keep up your repayments your vehicle will be at risk of being repossessed
  • Hire Purchase is not suitable if you are planning on paying off your loan within a short period of time.

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


  • are reularly missing payments
  • are on a special arrangement
  • are self-employed and 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 1,800 independent reviews, 97% of who would recommend us.  We are rated the number one car loan company on the site with a rating of 4.8/5.0.

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.

I've now purchased two cars with First Response and again another great service...was given good advice on car values when I was told a car I was interested in was overpriced...the whole process was simple and hassle free. All the staff I dealt with were friendly and professional at all times and any promises of call backs were kept. All in all very satisfied.View original
“Have been with First Response for several years they are quick and efficient never had any pressure. They are fantastic and will recommend them to all, I couldn't be more happy. Thank you First Response I hope to carry on with your company for many more years to come, they are marvellous.” 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 13/04/2017