Car finance

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Representative 29.9% APR

Car finance

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Buying a car on finance

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.

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What is Hire Purchase?

What is Hire Purchase?

Hire Purchase is a way of buying a car on finance, where the loan is secured against the vehicle – you make fixed monthly (or weekly) payments over an agreed period of time and once the final payment's been made, you legally own the car.

Just so you know... a deposit isn't always needed. It depends on your credit limit and the cost of the vehicle.

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.
Buying vs. leasing a car

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.

Joint car finance

If you want to increase the chances of your car finance application being approved, adding a joint applicant could help!

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.

Stress-free budgeting

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?

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.

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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

Cars available on finance

Whether you're looking to buy your first car or a seven-seater for your growing family, we can provide finance on a variety of brands such as Ford, Vauxhall, and Nissan. For more information, check out our fixed and flexible car finance criteria:

Fixed Criteria

  • Aged 18+
  • UK resident
  • Petrol maximum mileage: 120,000
  • Diesel maximum mileage: 160,000

Flexible Criteria

  • 18 - 61 month terms
  • No deposit required
  • £2,000 - £15,000 lend
  • Provisional driving licences considered
Whilst our criteria helps us to lend responsibly, we're flexible on things such as the age of the car and the term of the agreement. For example, you can choose to pay your car finance loan over a long period of time, i.e. 48 months, or make larger instalments and pay your finance agreement off in as little as 18 months.
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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.

Joint car finance

If you want to increase the chances of your car finance application being approved, adding a joint applicant could help!

Car finance FAQs

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.

Get independent advice on money, finance products, debt management, and budgeting through Citizens Advice and MoneyHelper.