At First Response Finance, we've been supporting drivers across the UK for more than 25 years – including many customers in Cardiff and the surrounding areas. Whether your credit history is spotless or you've had some bumps along the way, our friendly team is here to help you find car finance that suits your situation. With offices in Chilwell, Leigh, and Glasgow, plus trusted dealer partners across the country, we combine national experience with local understanding.
Cardiff, the capital of Wales, is a vibrant city rich in history and culture, with landmarks like Cardiff Castle and the Millennium Stadium. Whether you're navigating busy city streets or heading out to the beautiful Welsh countryside, having your own car gives you freedom and flexibility. We're proud to help Cardiff drivers get on the road with finance options that work for them.
Don't let bad credit stop you!
Let us help you get on the road - explore car finance options tailored to poor credit.
Bad credit car finance in Cardiff
If your credit history isn’t ideal, you might worry that getting car finance will be difficult – but it doesn’t have to be that way. At First Response Finance, we specialise in helping people in Cardiff and across the UK secure car finance, even if their credit score is less than perfect. We look at the whole picture and work hard to find finance solutions that suit your circumstances.
Our friendly team will support you through every step of the process, answering any questions you may have along the way.
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Motorbike finance specialists in Cardiff
Looking to get around on two wheels? Whether you’re riding through Cardiff’s city centre or exploring the Welsh countryside, First Response Finance can help you secure motorbike finance that fits your needs. We’ve been supporting riders for over 20 years, offering finance for 125cc, electric, and other types of motorbikes.
If you need assistance finding the right bike, we work with trusted dealerships across the UK and can point you in the right direction.
Van finance specialists in Cardiff
Whether you’re self-employed, run a business, or just need a reliable van, First Response Finance can help you secure van finance that works for your budget and credit history. We’ve helped many customers in Cardiff and across Wales, including those who have faced credit challenges in the past.
Tell us what you need, and we’ll work with you to find a suitable finance option.
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 Cardiff?
Let us help you get on the road - explore our range of finance options created with you in mind.