Car Finance, Loans & Hire Purchase Agreements

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. We believe this is why more than 30% of our monthly business is from returning customers.

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. We don't believe that charging our customers additional fees for their car loan is fair which is why we're proud to be one of the only vehicle finance companies who don't.

Over the past 16 years 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.

Pros & cons of finance 

The process in detail

Fixed Criteria

  • Minimum 21 years of age
  • Petrol maximum mileage of 120,000
  • Diesel maximum mileage of 160,000
  • Minimum 2 years proof of UK residency
  • Minimum 1 year self employed
    (if applicable)

Flexible Criteria

  • £2,000 - £10,000 lend
    (up to £15,000 for returning customers)
  • 12 - 60 month agreement
    (majority are 24-36 months)
  • Deposits are not required
  • Provisional licenses considered

Car finance process

1. Apply
Our application form is split into three simple parts:  personal details, employment details and vehicle information (this section is optional).

2. Discussion
If we decide to take your application we will text you and ask for a suitable time that we can call you. Please be aware that if you have an additional applicant, you will both need to be present.  The aim of this phone call is to establish how much we can lend you and to offer any additional advice which could help your application.  

3. Signatures
Once you have chosen your car and your car finance deal we will send you a copy of the pre-contract information for you to read. We will also send a copy to the dealership together with the legal agreement for you to sign.

Please feel free to take your time reading through the documents and make sure you are happy to proceed. As soon as we receive all signed documentation we will pay the dealership who will then hand you the keys to your new car. If you want to get an idea of rates you can use our free car finance calculator online.

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

Money Advice Service

Citizens Advice

Data correct 19/10/16