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Car Finance

Why choose First Response Finance for your car loan?

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

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.

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

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.

Apply for car finance

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