Representative 30.9% APR
A plug-in hybrid car, also known as a PHEV, uses both a fuel engine (like petrol or diesel) and an electric battery. You can plug it in to charge the battery. For short trips, it runs on electricity, and for longer drives, it switches to fuel.
A mild hybrid car, or MHEV, runs on petrol or diesel but also has a small battery. The battery helps the car use fuel more efficiently and gives a small boost when picking up speed. This battery can’t be plugged as it charges on its own.
A full hybrid car, also called a self-charging hybrid or HEV, uses both an electric motor and a petrol or diesel engine. Unlike plug-in hybrids, you can’t plug it in to charge the battery - it charges itself while you drive.
Hybrid cars are taking the UK by storm - with around 777,000 plug-in hybrids already on the road! They’re the perfect balance between petrol power and electric efficiency, giving you lower running costs without the worry of charging.
If you’re ready to make the switch, we can help you get behind the wheel with our flexible hybrid car finance options. Join over 300,000 happy customers who’ve already chosen us for a simple, fast way to finance their next car through Hire Purchase.
There are four simple steps to taking out hybrid car finance with us, here’s how it works:
At First Response Finance, we can offer hybrid car finance without needing a deposit - it will depend on your credit limit and the cost of the car you wish to finance.
No! The process of financing a hybrid car works in the same way as any other vehicle on a Hire Purchase agreement. Hybrid cars may cost more than petrol or diesel cars, but you could be protecting the environment whilst saving money on running costs.
Check out our fixed and flexible criteria to see if you could be eligible for hybrid car finance:
While we make sure to lend responsibly, we’re flexible when it comes to the vehicle’s age and how long you want to repay your loan. Whether you’d prefer smaller payments over 48 months or pay your finance agreement off within 18 months, the choice is yours.
Hear from Jonathan, our Head of Sales and Marketing, as he shares his expertise:
“Absolutely! At First Response Finance, we specialise in helping people with bad credit to get on the road. We take the time to understand your payment history and work with you to tailor finance options that suit your circumstances.”
“It’s important to remember that while having a low credit score doesn’t necessarily mean your application will be declined, you may be offered a smaller credit limit or slightly higher interest rates.”
The cost of your finance agreement will depend on the price of the hybrid car you choose, the size of the deposit you put down and the agreed amount of time to repay the loan. Since lots of things can change the price of your agreement, it’s hard to give an exact answer. But you can use our free calculator to get an idea of how much your finance will cost, with no commitment to apply.
Select the option that best describes your credit rating.
There are no additional fees
Representative
28.9% APRUnsure if a Hire Purchase agreement would be suitable for you? Check out some of the benefits and potential drawbacks.
At First Response Finance we’ll look at your current situation, not just your past. Here’s why we’re the go-to for hybrid car finance in the UK:
Information includes references to:
This page was last reviewed in October 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.
