Car Finance, Loans & Hire Purchase

Why choose us for your car loan?

Car Finance with First ResponseWe pride ourselves on being different from other car finance companies as our focus is on customer happiness and satisfaction. In fact, the customer is at the heart of everything we do and all company decisions and we believe this is why almost 30% of our online customers have been with us before.

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.

Representative 38.9% APR, First Response Finance

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 company on Review Centre, you can read some of our reviews on our testimonials page.

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Hire Purchase agreement

The contract that we provide is a Hire Purchase (HP) agreement which is slightly different from other types of borrowing. A Hire Purchase is a finance agreement where you hire goods and pay in affordable monthly instalments at a fixed rate of interest.

Fixed Criteria

  • Minimum 21 years of age
  • Petrol maximum mileage of 120,000
  • Diesel maximum mileage of 160,000

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. Unfortunately we cannot finance Eastern European car manufacturers (except 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.

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.

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 that we can 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

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.

  • Simple to arrange
  • Fixed monthly payments
  • 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 11/12/17