At First Response Finance, we’ve been helping people across the UK – including Northern Ireland – find the right car finance for over 25 years. Whether you’ve got a spotless credit history or have experienced some financial difficulties in the past, our team is here to make the process simple and stress-free. With offices in Chilwell, Leigh, and Glasgow, and trusted dealership partners across the UK, we’re proud to support drivers in Belfast and beyond.
Belfast is a dynamic and fast-growing city, known for its shipbuilding heritage, vibrant cultural scene and famous landmarks like the Titanic Belfast and City Hall. Whether you’re navigating the city’s busy streets, commuting to nearby towns or heading out along the Causeway Coastal Route, having a reliable vehicle makes a big difference – and we’re here to help you secure the finance to make that happen.
Don't let bad credit stop you!
Let us help you get on the road - explore car finance options tailored to poor credit.
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28.9% APR
Bad credit car finance in Belfast
If your credit history isn’t perfect, you might think getting car finance is out of reach. But that’s not necessarily the case. At First Response Finance, we’ve helped many people in Belfast and across Northern Ireland get car finance, even with bad credit or no credit history at all. We look at your current circumstances and overall situation, rather than relying solely on your credit score.
Our friendly team is here to guide you through the process and answer any questions you may have, every step of the way.
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Motorbike finance specialists in Belfast
Fancy taking to the road on two wheels? Whether you’re riding through Belfast’s city streets or exploring the Antrim coast, First Response Finance can help you secure motorbike finance that suits your lifestyle and budget. We’ve been supporting riders across the UK for more than two decades and offer finance for 125cc bikes, electric bikes, and more.
If you need help finding a bike, we can also connect you with trusted dealerships that we work with nationwide.
Van finance specialists in Belfast
Need a van for work or day-to-day life? Whether you’re self-employed, running a business or just need a bit of extra space, we can help. At First Response Finance, we’ve supported many customers in Belfast and Northern Ireland with van finance – even those with previous credit challenges.
We’ll work with you to understand your needs and match you with a finance option that works for your situation.
Vehicle finance FAQs
Hire Purchase: the pros and cons
Unsure if a Hire Purchase agreement would be suitable for you? We can help you weigh up the positives and negatives:
- 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 is 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 is made
- Because of the interest on your instalments, you end up paying back more than you borrowed initially
- 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
Looking for vehicle finance in Belfast?
Let us help you get on the road - explore our range of finance options created with you in mind.