Use our car finance calculator to get an idea of how much your Hire Purchase agreement might cost when you apply.
Representative 30.9% APR
Select the option that best describes your credit rating.
There are no additional fees
Representative
28.9% APR
Our car finance calculator is only for Hire Purchase. It's not for personal loans or Personal Contract Purchase (PCP) finance, which we do not offer.
We can provide Hire Purchase loans of £2,000 to £15,000 and here's how it works:
Just so you know... you may not always need to put a deposit down. It depends on your credit limit and the cost of the vehicle.
Our tool makes it simple to figure out your car finance rates. Here's how it works:
Just so you know... our car finance calculator is for illustration purposed only. These figures are just to give you an idea of how much your agreement might cost, and they may change once you get a personalised quote.
And our car finance estimator 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 an agreement is likely to cost. The APR that you see is a representative of those factors (how much you're borrowing, length of repayment term, and credit file rating).
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 high debt levels and have made frequent credit applications.
You have defaults or County Court Judgements (CCJs) and have made late payments.
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 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).
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).
Allow us to introduce Craig, Head of Underwriting at First Response Finance, to answer that one:
"Using our car finance calculator won't affect your credit score, as it simply provides an estimate based on the details you enter. There's no credit check involved. However, when you apply for car finance, we'll run a 'hard' credit search that will appear on your credit file. Bare in mind, responsible borrowing and keeping up with payments can improve your credit rating over time."
Our vehicle finance calculator is free, quick and simple to use. And there are lots of other reasons to count on us as a lender you can trust:
Jonathan | Oct 2024
Get a personalised quote that's tailored to your budget and see how affordable your next car could be!
This page was last reviewed in January 2025.
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.
