Car finance calculator

I have found the whole experience of dealing with First response a pleasure. The friendly and efficient way that they have communicated with me from the start until completion was very professional. I would have no hesitation in recommending it to others

Sheilla Matarirano - 16 hours ago

Our car finance calculator is best used honestly. This means if you don't have the best credit, you should rate your credit rating as "average" or "poor" to get a truer representation of how much a Hire Purchase car finance agreement costs. The APR that you see is representative of the APR for those factors (lend amount, term, and credit file rating).

Just so you know... our car finance calculator is only for Hire Purchase, not personal loan or PCP (we do not offer PCP finance).

Credit ratings explained

Poor

You've had frequent address changes and may not be on the electoral roll at your current address.
You've had a patchy employment history, possibly with periods of unemployment.
You have a high level of indebtedness and make frequent applications for credit.
You have defaults or County Court Judgements (CCJs) and have made late payments.

Average

You've been a resident at your address (whether owned or rented) for at least three years and are on the electoral roll at that address.
You have a stable employment history and you're in current full-time employment, or have been self-employed for a long period of time.
You have a history of credit (mortgages, credit cards, loans etc.) with very few missed payments.
You've made infrequent credit applications and have no defaults or County Court Judgements (CCJs).

Good

You've been a resident at your address (whether owned or rented) for at least three years and are on the electoral roll at that address.
You've been with the same employer (or self-employed) for at least three years.
You have a long history of credit (mortgages, credit cards, loans, etc.) with no missed payments.
You've made infrequent credit applications and have no defaults or County Court Judgements (CCJs).