Thinking about changing your vehicle?

Whether your needs have changed or you just want something new, we’ll guide you through it!

Representative 27.9% APR

Thinking about changing your vehicle?

How does it work?

Ready to upgrade your car, van, or motorbike? Renewing your finance agreement is simple!

To find out how much you still owe on your finance agreement, click the button below to message our team on WhatsApp or call us on 01942 686 687.

If you don't have a current active agreement with us, skip to steps 3 and 4.

Free vehicle valuation

Free vehicle valuation

We can let you know what your current car, van, or motorbike is worth - it doesn't cost you anything and there's no obligation to move forward.

Message us on WhatsApp
We can help find your next vehicle

We can help find your next vehicle

You don't have to go on this journey by yourself! We can:

  • Source a vehicle for you
  • Send you a list of trusted dealerships (in your local area)
  • Help you buy from our own dealership, Motopeople

Or, if you've already chosen your next car, van, or motorbike, we can help you through the process of financing it!

Find a vehicle
Quotation marks for the endorser's message

This is my second car with First Response Finance. I picked my new car and had all the paperwork done that day. They paid the garage the next day, and then I picked up my car. Good repayment rate too. I would recommend them.

Verified customer, Review Centre

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Finance that works around you

Finance that works around you

We'll look at your situation today and help you find:

  • A plan that fits your budget
  • Payments you can comfortably afford 
  • Options, even if your circumstances have changed since your last finance agreement
You still have options if you owe more than your vehicle is worth

You still have options if you owe more than your vehicle is worth

It's more common than you might think!

We'll talk you through your options in straightforward terms and help you move forward with a solution that works for you. For example, it may be possible to include any remaining balance in your new agreement.

Renewing your finance FAQs

Hire Purchase pros and cons

Check out some of the pros and cons of a Hire Purchase agreement!

  • 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

Help and advice for renewing your finance agreement...

Can you part-exchange a car on finance?
Car finance and loans

Rosie | Apr 2025

Can you part-exchange a car on finance?

Can you sell a car on finance?
Car finance and loans

Mar 2025

Can you sell a car on 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.