Joint car finance

If you want to increase the chances of your car finance application being approved, adding a joint applicant could help!

Apply now

Representative 29.9% APR

Average Customer Rating

4.9/5

Independent Service Rating Based on 2,572 verified reviews.

Read all reviews

"Good rates, great service"

I have been with First Response for over 12 years and have not ever thought of going anywhere else. The customer service so far has been great and show appreciation for loyal customers.

Lawrence Roberts - 20 hours ago

Trusted Customer - 20 hours ago

Excellent

Steven Marsh - 1 day ago

"Excellent company"

Excellent service and so easy to fill out the paperwork online.

Trusted Customer - 1 day ago

Dean Atkinson - 1 day ago

Trusted Customer - 1 day ago

"Very easy"

Lovely honest people to talk to helped me every part of the process I had bad phone signal due to my work place so were understanding and always called me bk

Stephen Rice - 1 day ago

"Friendly service"

Quick and kept in the loop

Jessica Money - 1 day ago

"First response finance equals first rate service"

Throughout the whole process, I found all staff that I dealt with to be polite, friendly and such a big help with their knowledge, understanding and explanation of detail in a clear and consise manor

Trusted Customer - 1 day ago

Quick and easy to apply and great customer service

Iana Whitewood - 1 day ago

Susan Graham - 1 day ago

"Simply set up"

Slick on-line application and funding, made the collection of my new Motorcycle extremely easy 👌

Trusted Customer - 1 day ago

The application process

Our joint car finance application process is as simple as one, two, three!

Complete an online application form and get a decision on your approval within minutes.

If you're automatically accepted for car finance, you'll be able to finalise your application online.

If your finance application is referred, we'll 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.

Apply now

Car finance calculator

Use our car finance calculator to get an idea of how much a car finance agreement with us costs, with no commitment to apply.

Try our calculator

Start your application now!

Getting approved for joint car finance is quick and easy.

Apply now

Hire Purchase pros and cons

Unsure if a Hire Purchase agreement would be suitable for you? Check out some of the pros and cons!

Fixed interest rate
Simple to arrange
No deposit required
Flexible terms (18 - 61 months)
No annual mileage restrictions
Fixed monthly (or weekly) repayments
You own the car once the final payment's been made
Customers are protected under the Consumer Rights Act (2015)

Finance is subject to status
You don't own the car until the final payment's been made
The car's at risk of repossession if you don't keep up with repayments
Not suitable if you plan on paying off your finance agreement within six months

We're here to help you understand car finance...

Expert reveals how to spot and avoid car finance fraud

Advice | Mar 2024

Potholes: what causes them and how do you claim for pothole damage?

Press releases | Mar 2024

First Response Finance nominated for ‘Best Car Finance Provider’ award for a fourth consecutive time

Customer journey | Mar 2024

How we helped Ryan get on the road

We're here to help you understand car finance...

Press releases | Apr 2024

Expert reveals how to spot and avoid car finance fraud

Advice | Mar 2024

Potholes: what causes them and how do you claim for pothole damage?

Press releases | Mar 2024

First Response Finance nominated for ‘Best Car Finance Provider’ award for a fourth consecutive time

Customer journey | Mar 2024

How we helped Ryan get on the road

Cars available on joint finance

We can provide finance on a variety of cars from brands such as Ford, Vauxhall, and Nissan. For more information, check out our fixed and flexible car finance criteria:

Fixed Criteria

Aged 18+ (main and joint)
UK resident (main and joint)
Petrol maximum mileage: 120,000
Diesel maximum mileage: 160,000

Flexible Criteria

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

Whilst our criteria helps us to lend responsibly, we're flexible on things such as the age of the car and the term of the agreement. For example, you can choose to pay your car finance loan over a long period of time, i.e. 48 months, or make larger instalments and pay your finance agreement off in as little as 18 months.

Apply now