Personal Loan

Personal Loans for Existing Customers

For our existing customers we can provide an unsecured personal loan that can be used for a variety of reasons, such as home or vehicle improvements.

Customers who qualify for a personal loan must have either…

received an SMS or letter from First Response Finance offering them a personal loan


have an active (or previously had a) personal loan with First Response Finance.

Representative 89.9% APR
You will usually find that the interest rate is higher on a short-term loan, like with a personal loan. However, a shorter term does usually mean that overall, you pay less back (compared to a long-term loan).

Our advice would be to make the term as short as possible, but with repayments you can comfortably afford.

Already applied for a personal loan, but need help?

If you need to contact us regarding the proofs for your personal loan application, the best thing to do would be to speak to a member of our Sales Support team – their phone number is 01942 686 687 (option 1).

For other queries regarding your personal loan application, call our Personal Loan team on 01942 686 688.

Personal Loan Pros and Cons


  • Fixed interest rate
  • Simple and quick to arrange
  • Flexible term lengths (6 - 24 months)
  • Early settlement available (to save interest charges)
  • Flexible repayment options (weekly, fortnightly, four weekly, and monthly)


  • Finance is subject to status and not guaranteed
  • Higher interest rate than a Hire Purchase agreement
  • Proofs may be required for approval
    I.e. proof of income
  • Late payments can attract additional charges and interest

Personal Loan Alternatives

Credit cards, secured loans, and re-mortgaging are all alternatives to taking out a personal loan, but are dependent on how much you wish to borrow.

We would always advise customers to research the options available before applying for any type of credit.

First Response Finance is a responsible 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.

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