Eligibility

Yes, many people who come to us have been turned down by other lenders.

Yes, we can provide finance to customers who have defaults and/or CCJs.

If you have an IVA, we can only consider providing vehicle finance if you have the express permission of your Insolvency Practitioner – we recommend that you get this before you apply.

Yes!

Just so you know... we'll need to consider your existing loans and credit commitments when we make a decision on your approval, and if your application is approved, we'll discuss a sensible amount of additional commitment that won't overstretch you during the term of the finance agreement.

Yes, we can provide vehicle finance to anyone over the age of 18.

Just so you know... if you're under 21, there are some restrictions with the types of vehicles that we can finance; we can only provide car finance (not van or motorbike finance) and our maximum lend is £7,000.

Yes! You don't need to be employed to get vehicle finance with First Response Finance. You'll need to have a regular income, i.e. benefits and/or pension, as we'll only consider lending to you if you can afford to pay the loan back over the agreed period of time.

Just so you know... you'll be asked to provide proof of your income to support your vehicle finance application.

Yes, you can get vehicle finance if you're self-employed.

You'll need to supply your last three months’ bank statements in order to prove your income. If you don't deposit your income into a bank account, we won't be able to provide you with vehicle finance.

Yes, you can!

No, all of our customers need to have a UK bank account so we can setup a Direct Debit for your vehicle finance repayments.

Yes, you can! There are some rules/restrictions around the finance agreement going live, but our Underwriting team will discuss these with you.