Joint Car Finance

Applying for Joint Car Finance

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What Is Joint Car Finance?

Joint car finance is when two people who live together I.e. partners or family members, apply for finance to purchase a car together – both the applicants' current circumstances, including income, will be taken into consideration when a decision on their approval is made.

Please note: you do not need to be married to your partner to obtain joint car finance.

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Is Joint Car Finance Right for Me?

If you want to increase your chances of your application for car finance being approved, adding a joint applicant could help, especially if you have a poor credit score and their credit file is 'better' than yours.

However, if you don’t want to have a joint applicant on your car finance application, but have 'bad' credit, don’t worry – we specialise in bad credit car finance, for customers who typically have a below average, or poor, credit score (and that may have been turned down by other finance providers).

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How Does Joint Car Finance Work?

Getting approved for joint 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. If you use our online application form, you will be asked if you want to 'add second applicant' after you have submitted the main applicant’s details.

2. ‘Automatically Accepted’ or ‘Referred’

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

If your finance application is referred, we will get in contact with you both 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 both 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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Who Does the Vehicle Belong To?

Once you have both signed your finance agreement, we will send the funds directly to the dealership, meaning that the dealership sells the vehicle to First Response Finance. However, the main applicant will be the registered keeper of the vehicle and have all of the vehicle documents I.e. log book (V5C). You will also be responsible for the vehicle’s upkeep. The vehicle will legally belong to you once you have made your final payment on your finance agreement.

During the term length of your joint finance agreement, both applicants (main and joint) can use the car, providing that you both have the relevant licences and insurance.

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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(s); 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.

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