How it works

Getting approved for vehicle finance is quick and easy - apply, sign, and drive away!

Apply now

Representative 29.9% APR

How it works

The application process

Our car, van, and motorbike finance application process is simple!

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

If you're automatically accepted for vehicle 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.

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.

Start your application now!

Getting approved for vehicle finance is quick and easy - apply, sign, and drive away!

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 vehicle 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 vehicle until the final payment's been made
  • The vehicle'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 vehicle finance...

First Response Finance is a responsible vehicle finance 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'll never approve an application if we believe you might struggle with repayments.

Get independent advice on money, finance products, debt management and budgeting through Citizens Advice and MoneyHelper.