Get your budget in seconds
- Hire Purchase car loans of £2,000 - £15,000
- Available over 18 - 61 months
- Instant decision on approval
27.9% APR Representative
It's all as simple as one, two, three...
Applying for car finance with First Response Finance is easy and takes only a few seconds.
Hire Purchase pros and cons
Unsure if a Hire Purchase agreement would be suitable for you? Check out some of the benefits and potential drawbacks.
- 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 is 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 is made
- Due to interest, you'll pay back more than you borrowed
- 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
Average Customer Rating
4.9/5
Who can apply for car 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
While 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, i.e. 48 months, or make larger instalments and pay your finance agreement off in as little as 18 months.
Bad credit car finance
Bad credit car finance is designed for those with less-than-ideal credit scores. Whether you have faced financial setbacks or struggled with managing your credit in the past, it can provide a lifeline to car buyers by offering an achievable chance to borrow money for a vehicle you need. We are specialists in helping people who other lenders may not - and have been doing so for over 20 years.
Self-employed car finance
Whether you're a decorator, mobile beautician, tradesperson or just need a vehicle to get you from A to B, we know how crucial being able to get around is to your business.However, the upfront cost can be off-putting, especially when you've got other business overheads to consider. Not only this, but if you're self-employed, vehicle finance can sometimes be trickier to get. That's where we come in.
Electric car finance
Are you looking into owning an electric car? We can help! There are currently more than (as of February 2025). However, we know that for some, the upfront cost of an electric vehicle (EV) means the idea feels harder to achieve than you'd like. That's where we come in. Hire Purchase EV finance offers you an affordable way to get the car you want.
What finance can we help with?
If you need help financing your next car, we're here to give you a hand.
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 will have a conversation with you, so we can get to know you and tailor our offering to suit your needs. Here's why we're the go-to choice for car finance in the UK: