Car Finance

Car Finance with First Response

Try Our Award-Winning Car Finance

Here at First Response Finance, we pride ourselves on being different to other car finance companies - our ultimate focus is on customer satisfaction through the service we provide. We ensure that we put our customers at the heart of everything we do, from the decisions we make to the continuous improvement of our services, maybe that is why we have been awarded the Feefo Platinum Trusted Service Award (2021).

Apply Now  Car Finance Calculator

What Makes First Response Finance Different?

Unlike most car finance companies, First Response Finance do not charge any fees! You will simply pay for the screen price of the car, along with any interest which is combined in the APR (do not worry, an Underwriter will give you a breakdown of the APR before you sign your finance agreement so you will know exactly what you will be paying back). 

The percentage of APR you will be charged each month is dependent on your personal circumstances - every customer has a unique credit file, and financial commitments, so we deal with each application individually. When you apply, a member of our Underwriting team may give you a call to ask further questions about your application; this is just so that we can get to know you and understand your financial situation better. 

Our car finance agreements are simple and clear, even for those with a bad credit history.

car finance 2

We work with over 8,700 vehicle dealerships across the UK which means that you have plenty of choice when it comes to choosing a car, but if you are struggling to find exactly what you are looking for, our Deal Making team are here to help – they are dedicated to supporting you with whatever you need!

Don't just take our word for it!

"Can't fault First Response Finance for a car loan. I must have had three or four loans with them in the past and..."

- April 2022 (Review Centre)

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"Easy and efficient. I would definitely recommend to friends and family..."

- April 2022 (Review Centre)

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Review Centre Feefo

Hire Purchase Agreements with First Response Finance

When you purchase a car through First Response Finance, the contract we provide is a Hire Purchase (HP) agreement. Simply put, Hire Purchase is a way of buying a vehicle on finance, where the loan is secured against the vehicle – you make fixed monthly or weekly payments over an agreed period of time, and when the last payment has been made you legally own the vehicle.

One of the (many) great things about choosing to obtain a Hire Purchase agreement through First Response Finance is that we do not charge any fees. Yes, that’s right – there are no option to purchase fees or documentation fees! How great is that?

Used Cars Available on Finance

Whether you are looking to purchase your first car, a seven-seater for your growing family, or you simply fancy a change – we can finance a wide variety of used cars!

For more information, check out our fixed and flexible used car finance criteria:

Fixed Criteria

  • Aged 18+
  • UK resident
  • Petrol maximum mileage: 120,000
  • Diesel maximum mileage: 160,000

Flexible Criteria

  • No deposit required
  • 18 - 61 month terms
  • £2,000 - £15,000 lend
  • Provisional driving licenses considered

Whilst our criteria helps us to lend responsibly, we are flexible on things such as the age of the car and the term length of the agreement. For example, you can choose to stretch out your car finance payments over a long period of time I.e. 48 months, or make bigger weekly/monthly instalments and pay your finance agreement off in as little as 18 months. Once you have applied for car finance, speak to our Underwriters about how we can tailor the finance options to suit your lifestyle.

Please note: we do not finance most Eastern European car manufacturer brands, however we do offer finance on Skodas.

Used Car Finance FAQs

How does financing a used car work?

If you decide to purchase a used car through Hire Purchase finance, you could be driving the car off the forecourt on the same day - all you need to do is apply for finance, choose a used car, sign your agreement, and you're good to go! Whereas, when you purchase a brand new vehicle, the process to getting behind the wheel can be long-winded as sometimes the cars are made to order, meaning that you could be waiting months for the manufacturer to build and deliver the vehicle to the dealership.

Check out our Hire Purchase Finance Process page for an overview of how financing a used car works.


Is financing a used car right for me?

Financing a used car through Hire Purchase is right for you if...

  • You are not bothered about owning the latest car.
  • You can't afford to purchase a £2,000 - £15,000 car outright.
  • You want to make fixed monthly, or weekly, payments over an agreed period of times.
  • You want to improve your credit score (this can be done by managing your loan properly).
  • You want to own the vehicle at the end of the finance agreement, without having to make a balloon payment.


What do I need to finance a used car?

When you apply for vehicle finance with us, we will need basic details such as your full name, current address, phone number(s), and employment information. We may also ask for you to provide us with supporting documents I.e. bank statements or payslips, so we can ensure that you can afford to take out used car finance.

It is important that the information you provide us is accurate and honest, so that we can make a well-informed decision on your approval.

For full details about the collection, and potential uses, of your personal details, please read our Privacy Policy.


How long should you finance a used car for?

There are a few things that are taken into consideration when determining how long you should finance a used car for, including: the age and mileage of the car, your budget, and current circumstances.

The contract lengths for our used car Hire Purchase agreements are anywhere between 18 months and 61 months long. However, we understand that circumstances can change throughout the duration of your agreement which might lead to you needing to change your vehicle. If this is the case, you can apply online to change your vehicle at any point during your agreement. However, if you are within the first twelve months of your Hire Purchase agreement, the full settlement figure may need to be cleared.

Visit our Renewals FAQs page for more information.

Provisional Licence Car Finance

Can I apply for car finance on provisional licence?

With First Response Finance, you can apply for vehicle finance if you only have a provisional driving licence. However, there are some rules/restrictions around the finance agreement going live if you have not passed your driving test between applying for vehicle finance and the purchase of the vehicle – our Underwriting team will discuss this with you.

It is important to note that we do only encourage customers to consider taking out finance once they have passed their driving test and hold a full driving licence as your weekly/monthly instalments will need to be made regardless of if you pass or fail your driving test.

Apply Now  Car Finance Calculator

Got more questions about provisional licence car finance? Check out our Support page.

The Application Process

Getting approved for car finance is quick and easy for most customers, which means that you could be driving your new car off the dealership’s forecourt in no time!

All finance is subject to status meaning you may not follow all the stages shown below (depending on whether you get an instant approval finance offer or are declined car finance).

1. Apply

Before applying, you can use our finance calculator to work out a rough repayment plan to suit your needs!

You can apply for car finance using our online application form or by visiting a First Response Finance approved car dealership.

2. ‘Automatically Accepted’ or ‘Referred’

If you are automatically accepted for car finance, you will be able to finalise your application online.

If your finance application is referred, we will get in contact with you via email or SMS to arrange a time for one of our Underwriters to call you and discuss your application. The call itself will last around 15 minutes, and in this time, you will be asked a few questions; this is just so that we can get to know you and understand your financial situation better. During this call, we will also discuss vehicle options and repayment terms, so you have a better idea of the options available to you.

3. Signatures

Once you have chosen the car that you would like to purchase, we will send over the documentation reflecting the proposed finance agreement. Make sure that you take the time to read and understand each part of the paperwork before signing it.

4. Payment

As soon as we receive a copy of the signed documentation, we will pay the dealership the agreed amount, and you can drive away in your new car!

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Hire Purchase Pros and Cons


  • Simple to arrange
  • Fixed interest rate
  • No deposit required
  • No annual mileage restrictions
  • Flexible term lengths (18 - 61 months)
  • Fixed monthly (or weekly) repayments
  • Vehicle belongs to you after the final payment has been made
  • Customers are protected under the Consumer Rights Act (2015)


  • Finance is subject to status and not guaranteed 
  • You do not own the vehicle until the final payment has been made
  • The vehicle is at risk of repossession if you do not keep up with repayments
  • Not suitable if you plan on paying off your finance agreement within six months

Got more questions about car finance? Check out our Support page.

First Response Finance is a responsible car 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 will never approve an application if we believe you may struggle with repayments.

No application is guaranteed. All finance is subject to status, and terms and conditions apply.

Get independent advice on money, finance products, debt management and budgeting through Citizens Advice and Money Helper.

Citizens Advice

Money Helper

Data correct as of October 2021.