First Response Finance is a responsible vehicle finance lender, and all decisions are made in the best interests of the customer; based on credit scores, status, and income at the time of application. We'll never approve an application if we believe you might struggle with repayments.
Apply for car finance from the UK's number one motor finance provider, as voted for by consumers on Review Centre!Apply now
Representative 29.9% APR
Average Customer Rating
They are the best A* I have really bad credit but they listened to me and understood why and gave me a chance when no one else would.Louise Phythian - 20 hours ago
The best service I have ever recieved ,paid first loan out got second one pre arranged and the dealer was paid out within 1 hr !!!!Arshad Mohamood - 20 hours ago
Manged to get me finance, even with my bad history, easy to deal with, makes the whole process painless, Thanks guysMartin Bell - 21 hours ago
Travis was fantastic informed me if every step of the process and sealed the deal extremely quick. Really pleasedTrusted Customer - 22 hours ago
Serviço rápido e eficaz, com um atendimento de excelênciaTrusted Customer - 22 hours ago
Service was very quick and the woman I spoke to was very helpful. I'd definitely finance with you again in the future if need beTrusted Customer - 1 day ago
Great help with sorting my my finance out for my new bike. No issues and they were really helpful through out the whole process.Trusted Customer - 1 day ago
Exceptional service, even when I was hesitant and kept calling for advice ,everyone I spoke with was so helpful and patient .Would highly recommend them to everyoneCatherine Enwegbara - 1 day ago
Buying a car on finance
In the fast-paced world we live in today, owning a car isn't a luxury, it’s a necessity that provides convenience, flexibility, and freedom. However, for many, the upfront cost of buying a car can be quite daunting. This is where buying a car on finance comes into play, offering an accessible and manageable way to get behind the wheel without breaking the bank.
Common misconceptions about car finance
You might think...
- you're limited on what car you can choose. But, we can provide finance on a variety of makes and models;
- the approval process is complicated. In reality, all you need to do is fill out our simple online application form;
- your credit score will be negatively impacted. The truth is, taking out credit can have a positive impact as long as you keep up with your repayments.
The application process
Our car finance application process is as simple as one, two, three!
Complete an online application form and get a decision on your approval within minutes.
If you're automatically accepted for car finance, you'll be able to finalise your application online.
If your finance application is referred, we'll get in contact with you via email or SMS to arrange a time for one of our Underwriters to call you and discuss your application.
Start your application now!
Getting approved for car finance is quick and easy - apply, sign, and drive away!
No upfront cost
When buying a car through Hire Purchase, a deposit isn’t always needed (depending on a customer's credit limit and the cost of the vehicle). This means saving can be held onto or put towards other expenses, i.e. tax and insurance.
Variety of choice
Car finance opens the door to a wide range of vehicles that might have otherwise been out of reach. Whether a customer is looking at a sleek saloon or a sturdy SUV, our car finance options can be adapted to suit their budget and preferences.
With fixed monthly (or weekly) repayments, customers can budget their income easily because they know exactly how much they owe each month – and there’s no balloon payment due at the end of their agreement, so that's one less thing to budget for.
Why choose First Response Finance?
When it comes to car finance, there's no one-size-fits-all answer. Your financial situation, driving habits, and future plans play a crucial role in determining the best fit. Here at First Response Finance, we aim to have a conversation with our customers, so we can get to know you and tailor our car finance product to fit your needs.
Hire Purchase pros and cons
Unsure if a Hire Purchase agreement would be suitable for you? Check out some of the pros and cons!
- Fixed interest rate
- Simple to arrange
- No deposit required
- Flexible terms (18 - 61 months)
- No annual mileage restrictions
- Fixed monthly (or weekly) repayments
- You own the car once the final payment's been made
- Customers are protected under the Consumer Rights Act (2015)
- Finance is subject to status
- You don't own the car until the final payment's been made
- The car's at risk of repossession if you don't keep up with repayments
- Not suitable if you plan on paying off your finance agreement within six months
We're here to help you understand car finance...
Cars available on finance
- Aged 18+
- UK resident
- Petrol maximum mileage: 120,000
- Diesel maximum mileage: 160,000
- 18 - 61 month terms
- No deposit required
- £2,000 - £15,000 lend
- Provisional driving licences considered
Bad credit car finance
We can provide poor credit car loans to people with a thin credit file or bad credit history, and that have been declined by other lenders.
Electric car finance
Getting approved for electric car finance is quick and easy with our simple online application form.
Car finance NI
If you live in Northern Ireland and want to buy a car using affordable monthly payments, we can help!
Used car finance
Can't afford to buy a car outright? Used car finance allows you to spread the payments out over an agreed period of time.