Best car finance providers in the UK

Choosing the right company

Best car finance provider as voted by customersFirst Response Finance are the best car finance provider, as rated by our customers on Review Centre for the category 'Car Loan'. Review Centre is the perfect place to check out reviews on car finance providers before applying to ensure that the company has your best interests at heart. We’ve been number one on the site since March 2015 and we believe it’s down to a few simple reasons:

Representative 38.9% APR, First Response Finance

1. We lend our own money

First Response Finance are a lender which means that when you apply for finance with us you’re applying to borrow money directly from us. Working with a lender and not a broker means that things are kept simple as there’s no middleman to talk to.

2. We focus on customer service

You only have to read a handful of our reviews to see that we’re a very customer-focused company. We will always try our best to help customers by listening to them and understanding their situations. We know that our customers are looking for good customer service which is why we don’t have any hidden or large fees 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

We have 32% returning customersa fact that we’re extremely proud of. We offer great refinance deals and even offer current customers the option to apply for a Personal Loan, if they need one. 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 take regulations seriously

We are one of the first finance lenders to be fully accredited by the Financial Conduct Authority due to knowledge, understanding and complying with the laws and regulations of vehicle finance.  

5. 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. 

Selection of reviews

"Excellent Service. Helpful" Guest on 11/08/2015
"Can’t fault the staff. Very helpful. Informative and easy to talk to. No problems whatsoever. Smooth transaction and would definitely use them again when my son passes his test. Excellent rates of pay. Thanks again."
"Very quick with the reply" Guest on 11/08/2015
"Very quick with the reply. Wasn’t sure if I’d get a loan but I did and was very helpful also didn’t want an expensive car just one for my job and very pleased with the price and with the people who sold me the car. There is nothing negative to say about them one happy customer and reasonable monthly payments also." 
"WOW" 296Pritchard on 11/08/2015
"I have always thought I could not get finance, but my old car literally blew up last week. My brother-in-law suggested First Response and what an amazing team of friendly, real and caring people. Called them Tuesday afternoon, finance sorted Wednesday. They even sent me a lot of dealers they use, looked at a car Friday morning and just now waiting for my car to be MOT’d and serviced ready tomorrow. I couldn't thank them enough as we can now take the kids on holiday next week. They are the real deal."
"One happy customer" 119Lloyd on 11/08/2015
"Very speedy service. Everything was explained up front and we drove away with our car a few hours after we chose it. Would recommend this service to anyone."

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

  • 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 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 24/08/2015. Returning customer data January 2015 – August 2015 and valid for renewal and existing customers.

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