Joint car finance

If you want to increase the chances of your car finance application being approved, adding a joint applicant could help!

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Representative 29.9% APR

Joint car finance

Average Customer Rating

4.9/5Feefo logo
Independent Service Rating Based on 2,605 verified reviews. 
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The application process

Our joint 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.

Car finance calculator

Use our car finance calculator to get an idea of how much a car finance agreement with us costs, with no commitment to apply.

Start your application now!

Getting approved for joint car finance is quick and easy.

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

Cars available on joint finance

We can provide finance on a variety of cars from brands such as Ford, Vauxhall, and Nissan. For more information, check out our fixed and flexible car finance criteria:

Fixed Criteria

  • Aged 18+ (main and joint)
  • UK resident (main and joint)
  • 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
Whilst 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 of time, i.e. 48 months, or make larger instalments and pay your finance agreement off in as little as 18 months.
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Joint car finance FAQs

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.