Hire Purchase Process

How we process vehicle finance

This page is designed to give you more information on the First Response Finance Hire Purchase process. This page applies to all HP agreements, whether it’s car finance, van finance, or motorbike finance.


Step 1

Apply using our simple online application form

Step 2

We will conduct a credit search so we have as much information as possible about your application. This step helps us prevent and spot fraud applications

Step 3

After manually reviewing your credit file we will text you to ask for a convenient time to call you

Step 4

One of our underwriters will call you at the time you have requested in order to discuss your application.  You will be quoted and informed of the maximum credit limit that we can lend to you

Step 5

Once you have told us about the vehicle you wish to buy (and the dealership information) we will send out all documents for you to read and sign.

It is important that you are happy with your monthly repayments and vehicle at this point!

Step 6

Once you send the signed documents back, along with proofs (for example, bank statements or payslips), we will check them.

If approved we will send the motor dealer the full amount of money for the car and once they receive it (usually within the hour) you can drive away

Step 7

A copy of all legal documentation and our contact details will be sent to you in case you need to refer back to them


Apply Today