Best car finance providers in the UK

Choosing the right company

Since March 2015 First Response Finance have officially been the best car finance provider, as rated by our customers on Review Centre*. 

Representative 38.9% APR, First Response Finance

We believe being the best car finance provider is down to a few simple reasons, which you can read below.

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1. We lend our own money

First Response Finance are a lender means things are kept simple as there’s no middleman to talk to.

2. We focus on customer service

We will always try our best to help customers by listening to them and understanding their situations, and is why we believe we’re one of the best car finance providers. 

3. Returning customers

We have a large number of returning customers

Over 25% of our customers have used us beforea fact that we’re extremely proud of. We believe that looking after customers and ensuring their finance agreements go as smoothly as possible will in turn look after our business.

4. We have strong company values

We take our company values seriouslyEverybody that works for First Response Finance understands our company values and principles.  As one of the best car finance providers, we only hire people who share the same views as us in order to keep the customer the number one priority. 

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Selection of reviews

We have a testimonials section where you can read some of our most recent reviews and find the originals (so you can check them if you want to).

If you want to get an idea about what our customers say we've provided a couple of reviews below.

"I got the car..." Guest on 11/02/2018
"I got the car I wanted this company and staff are so helpful and give people the chance of owning the car they want with the best rates available, thank you so much."
"Excellent service..."  Francisq142 on 11/02/2018
"Excellent service. Had a wait for the car I was having from the dealer, First Response chased it up for me. I would recommend this company to anyone. Polite. I was kept informed through all the process, even after I had the car. Thanks."

Please be aware that we may have amended the spelling of the above reviews in order to make them easier to read. You can view the original reviews by clicking on each header.

Learn more about our Hire Purchase loan or view the full detailed process of our finance application. 

Hire Purchase Pros & Cons

Pros
  • 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
Cons
  • 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

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If you have any questions regarding finance products, debt or budgeting you can source independent advice from either of the below sites.

Money Advice Service

Citizen Advice Bureau

All Review Centre data captured 12/02/2018. *Category Car Loans. Returning customer data Jan-Dec 2017.

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