Car Loans & Finance

Our Car 'Hire Purchase' Product

Car Finance with First Response We pride ourselves on being different from other car finance companies as our ultimate focus is on customer happiness and satisfaction in the service 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 our online customers have continued to grow year on year since 2011.

Unlike other car finance companies, First Response Finance don't charge our customers any additional fees, you'll simply pay the vehicle price along with any interest which is combined in the APR. The percentage of APR you will be charged when financing a vehicle with us will be dependent on your credit file - but rest assured knowing we deal with each application individually and aim to discuss most applications over the phone. If you feel like your bad credit file history might be holding you back from getting finance, take a look at our Bad Credit Car Finance blog.

We have spent a lot of time developing our systems, our relationships with dealers, and our customer service in order to make purchasing your vehicle as smooth as possible. We pride ourselves on delivering great customer service and are rated as the top car finance lender on Review Centre and have recently won the Feefo Gold Trusted Service Award 2019 - you can read some of our reviews on our testimonials page.

Make an application


Hire Purchase agreement

When financing a vehicle of your choice, the contract that we provide is a Hire Purchase (HP) agreement which is slightly different from other types of borrowing you may have had. A Hire Purchase is a finance agreement where you 'hire' goods and pay in affordable monthly installments at a fixed rate of interest - and when paid in full the vehicle is yours.

Fixed Criteria

  • Minimum 21 years of age
  • Petrol maximum mileage of 120,000
  • Diesel maximum mileage of 160,000
  • You are a UK resident

Flexible Criteria

  • £2,000 - £10,000 lend
    (up to £15,000 in certain circumstances)
  • 18 - 60 month agreement
    (majority are 24-36 months)
  • Deposits are not required
  • Provisional licenses considered

What cars do we finance?

We aim to be able to finance most used cars, so long as it is suitable for your needs and it matches our fixed criteria. However unfortunately, we cannot finance Eastern European car manufacturers, unless it is a Skoda. We are, however, flexible on things such as age of the car, the price and the length of time you would like to finance the vehicle over. However these variables such as age of the car could affect the repayment term length.

Provisional licences

Our car finance product means we’re able to consider applicants who currently hold a provisional license. Although we try to encourage customers to only consider finance once they hold a full licence, we understand that this isn’t always possible. Please note, legal checks will be made and confirmed with the DVLA.

Car finance process

Please be aware that this is a top level process, as all finance is subject to status you may not go through all of the below stages.

1. Apply

2. Discussion - we will text you and ask for a suitable time for us to call you, please be aware that if there are two applicants you will both need to be present. The call will last around 10-15 minutes and is to see whether we can lend you money and if so, how much.

3. Signatures - once you have chosen your car and your car finance deal we will send you a copy of documents for you to read and sign. 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!

If you want to get an idea of rates you can use our free car finance calculator online.

Hire Purchase Pros & Cons

  • Simple to arrange
  • Fixed monthly repayments
  • Fixed interest rates
  • Flexible term lengths 18-60 months
  • Vehicle belongs to you after final payment
  • Deposits not required
  • No annual mileage restrictions
  • You are protected under the Consumer Rights Act 2015
  • The vehicle is at risk of repossession if you do not keep up repayments
  • You do not own the vehicle until your final payment
  • Hire Purchase is not suitable if you plan on paying off your loan within 6 months
  • Finance is subject to status and not guaranteed

Make an application

 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 will struggle with repayments. Get independent advice on money, finance products, debt or budgeting:

Money Advice Service

Citizens Advice

Data correct 27/02/2019