Car Finance Loans

Car Finance with First Response

Our Award-Winning Car Finance

We pride ourselves on being different to other car finance companies, our ultimate focus is on customer satisfaction through the service we provide. This is shown by the awards we have won, based on customer experience and happiness from the car finance product we provide each day. In fact, our customers are at the heart of everything we do; from the decisions we make, to the continuous improvement of our services – maybe that’s why we’re growing each year, having financed over 200,000 UK customers. Try our flexible and friendly car finance for yourself today!

Unlike most other vehicle finance companies, First Response Finance don’t charge any fees! You’ll simply pay for the screen price of your car, along with any interest which is combined in the APR that will be explained clearly to you before you sign the agreement  – our car finance agreements are simple and clear, with options available for bad credit car finance too. The percentage of APR you will be charged each month will be dependent on each customer, as each customer has a unique credit file, and financial commitments – but you can rest assured knowing we deal with each application individually. Our aim is to discuss most applications over the phone, so our friendly professional team may give you a call to ask further questions about your application. This is totally normal, and some customers like having someone to discuss things through with! If you feel like your bad credit history might hold you back, take a look at our Bad Credit Car Finance blog.

Representative 32.9% APR

We work with thousands of dealerships across the UK to make hire purchase and car finance easy for you to access, from your local area, to online dealerships, even if you have a poor credit history. We have brilliant relationships with many dealerships across the UK, and our specialist team of Dedicated Account Managers help the process run as smoothly as your next vehicle!

We pride ourselves on delivering great customer service, that’s why many of our customers return to us each time for Renewals Finance . Have you read the many great reviews our verified customers have left for you to read? Take a look here!

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Car Hire Purchase (HP) Agreement

When financing a car of your choice, the contract First Response Finance provide is a Hire Purchase (HP) agreement which is a type of borrowing – as simple as, ‘hiring’ goods, and one paid off in affordable monthly car finance instalment with a fixed rate of interest, the vehicle is yours! No option to purchase fees, no documentation fees – just car finance without any hidden fees!

Once you have a vehicle in mind, whether this be new or older the contract First Response Finance provide is a Hire Purchase (HP) agreement Simply put, you ‘hire’ the vehicle until all affordable repayments are made. What’s better is we accept no deposit car finance applications, as well as being a ‘non-balloon payment’ car finance option. All of your payments are fixed at a set rate of interest, which means what you agree to pay at the start, is what you will pay throughout.

Which cars do First Response finance?

Our aim is to provide great credit solution to our customers, meaning we strive to finance the right car for you – whether it be a family car for your growing family, or if you simply fancy a change! Simply check our fixed & flexible car finance criteria below, for more information. We unfortunately do not finance most Eastern European car manufacturer brands, however we do offer finance on Skoda’s.

Whilst we do have our criteria which helps us to lend responsibly, we are flexible on things such as the age of the car, the screen price the dealership is asking for the vehicle, as well as the length you may want to carry the agreement out over. Pay more each month for a quick car finance agreement, or simply stretch it out over a longer period of time to suit your monthly income – simply speak to our Underwriters once you apply  and they will be able to tailor the finance options to suit your lifestyle.

Car Finance Fixed Criteria

  • Minimum 21 years of age
  • Petrol maximum mileage - 120,000
  • Diesel maximum mileage - 160,000
  • You hold UK residency

Car Finance Flexible Criteria

  • £2,000 - £12,000 lend
    (could be up to £15,000)
  • 18 - 60 month agreement
  • Deposits are not required
  • Provisional licenses considered

Provisional licence finance

First Response Finance hire purchase product does consider applicants who currently hold a provisional licence. However, it’s important to know that we do encourage customers to only consider taking out finance once you have a full licence – regardless of if you pass or fail, you will be required to make your agreed repayments. We will make legal checks with the DVLA to confirm the type of licence you hold, so it’s wise thinking about your options seriously before applying for provisional license vehicle finance.


Steps to finance with us...

Getting approved finance is quick and easy for most customers, which could mean you will be in your new vehicle in no time! Below is a top level process, all finance is subject to status meaning you may not follow all of these stages depending on whether you get our instant approval finance or unfortunately are declined.

1. Apply

Apply Now! You may have used our Finance calculator to work out a rough repayment plan to suit your needs, or have seen a car you like the look of at a First Response Finance approved dealerships, apply now to get on the road!

2. Discussion -

We will get in touch via email, SMS, or phone call so keep your mobile handy! If you have applied with your partner or someone on a joint application, bear in mind you both may need to be present. We will aim to call you to discuss your application, this is a totally normal step of our application process. The call will last around 15 minutes, where we will listen to your rather than simply looking at your credit file – this is something our customers appreciate when listening to their circumstance rather than credit score.

3. Signatures -

A dealership may have referred you to get finance with us, or now you have an idea in mind of the finance amount we are willing to lend you, you can choose a car. We work with thousands of dealerships across the UK who must have an FCA licence. Once you have decided on a car, our team will work quickly to get you on the road, once you have your paperwork and documentation, read, sign and keep it safe! Please take your time reading through the documents and make sure you are happy to proceed with the agreement.

4. Payment -

As soon as we receive all signed documentation, we will pay the dealership and you can drive away in your new car!

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First Response Finance is a responsible car finance lender and all decisions are made in the best interests of the customer. We will never approve an application if we believe you may struggle with repayments. Get independent advice on money, finance products, debt or budgeting:

Money Advice Service

Citizens Advice

Data correct 30/04/2021