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.
Car finance Northern Ireland (NI)
Living in Northern Ireland and wanting to buy a car through Hire Purchase? We can help!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
The application process
Our Northern Ireland 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 Northern Ireland car finance is quick and easy - apply, sign, and drive away!
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 in Northern Ireland
- 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