Representative 27.9% APR
Here at , we offer Hire Purchase (HP) agreements for joint applications, in which both people are equally responsible for making the fixed repayments for the car of your choice.
After approval, here's what happens:
So that you know... a deposit isn't always needed. It all depends on your credit limit and the car of your choice.
We’re authorised and regulated by the Financial Conduct Authority (FCA).
We're committed to treating customers fairly and giving clear, honest information so you can trust us to put your best interests first every step of the way!
Because of this, it means we have a clear and must ensure our products are suitable, communications are clear and that you receive fair value and treatment throughout your agreement. You can find out more detail of our FCA authorisation by looking at our .
We also use , one of the UK's top credit reference agencies, to run our credit checks. This helps us to understand your credit history, which is one of several factors we take into consideration when making a decision on your approval for vehicle finance.
Absolutely! Our Deal Making team can guide you through your choices and help you find a car that's perfect for your needs and budget. Once you've been approved for finance, they can help by providing you with a list of dealerships local to you that we work with, and even help to source a vehicle.
Their contact details are:
We can provide joint car 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:
There are several types of car finance, including HP, Personal Contract Purchase (PCP), or Personal Loan (PL). We provide Hire Purchase car finance to a joint car finance application. To help you understand how each type compares, we've outlined the key differences below.
We use Experian, one of the UK's top credit reference agencies, to run our credit checks. This helps us to understand your credit history, which is one of several factors we take into consideration when making a decision on your approval for vehicle finance.
A Hire Purchase agreement is a great option if you wish to own the vehicle at the end of the agreement, as there's no big lump sum waiting at the end.
With an HP agreement, you'll usually start with a deposit, although some lenders offer zero-deposit options. The remaining balance is then divided into repayments that both applicants are responsible for. Once the final payment has been made, the car becomes yours legally, giving you full ownership.
This type of finance can be beneficial for joint car financing applicants with . When you apply together, lenders will take both incomes and creditworthiness into account - strengthening the application and making lenders more open to accepting the loan.
Call us on to get started with your joint car finance agreement.
Personal Contract Purchase allows you to finance a car with low monthly repayments, but it can often require a large to take full ownership.
With a PCP agreement, you'll typically pay an initial deposit, followed by monthly repayments - just like Hire Purchase. Unlike HP, instead of paying off the full value of the car, you're covering the depreciation - how much value the car is expected to lose over the course of the agreement.
At the end of the agreement, you'll have the choice to either hand the car back to the dealership, trade it in for another car or pay a lump sum to take full ownership of the car.
A joint car loan is a way for two people to borrow a lump sum from a bank or lender and use it to buy a car outright. As you receive the full amount upfront, you can own the vehicle from day one.
Unlike HP or PCP, a personal loan isn't secured against the car. That means the vehicle is legally yours - giving you freedom to make cosmetic or mechanical changes, and there are no mileage restrictions.
With a joint personal loan, both applicants apply together and share responsibility for paying the loan back in fixed instalments over an agreed term. However, lenders can be stricter about who they approve because the money you've borrowed isn't secured against an asset (the car); therefore, interest rates may be higher for those with a limited credit history, or a bad credit score.
Our joint car finance application process is as simple as one, two, three!
Fill out our online to get an instant decision on your eligibility and find out how much your monthly repayments would be.
Receiving a quote does not guarantee approval; all applications are subject to status and affordability checks.
If you want to add a joint applicant before you move forward with your quote, call us on .
Use our car finance calculator to get an idea of how much a joint car finance agreement with First Response Finance costs, with no commitment to apply.
Unsure if a Hire Purchase agreement would be suitable for you? Check out some of the pros and cons!
Yes, you can apply for joint car finance with bad credit history, but whether you're approved will depend on both applicants' individual circumstances. Many people choose a joint finance agreement to strengthen their chances, especially if one person has limited credit history. Some lenders rely on strict credit-scoring criteria, which can make approval more difficult. However, we take a more personal approach, looking at your overall situation rather than focusing solely on your credit history.
If together you can show a reliable income and can comfortably afford the monthly repayments, your likelihood of being accepted increases significantly. This ensures the repayments remain manageable and that neither of you is put at risk of financial difficulty. We’ll never approve an agreement if we believe affordability could be an issue.
Once approved, making regular payments on time can help strengthen both applicants’ credit profiles for the future, as it demonstrates your ability to maintain and successfully repay a finance agreement.
We're SAF Approved by the Finance & Leasing Association (FLA), which means that all relevant staff have passed the Specialist Automotive Finance (SAF) Expert test. This ensures our team members have all the relevant knowledge to advise you on available finance products and help find the right one for you!
Explore your options with a quick, free finance quote - tailored to your budget.
Jonathan | Jun 2024
Content last updated August 2026.
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.
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