At First Response Finance, we’ve been helping people across the UK get behind the wheel for over 25 years – and that includes many happy customers in and around Edinburgh. Whether your credit history is spotless or you've had a few financial hiccups along the way, we're here to help you explore your car finance options with confidence. With offices in Chilwell, Leigh, and Glasgow, and trusted partnerships with dealerships across Scotland and beyond, we offer a friendly and reliable service tailored to your needs.
Edinburgh, Scotland's capital, is a city full of history, culture and charm – from the striking Castle on the hill to the winding streets of the Old Town. Whether you're navigating the city centre, commuting to nearby towns, or heading out to explore the Highlands, having your own vehicle can be a huge advantage. We're proud to support local drivers across the city and surrounding areas with finance options that work for their lifestyle and budget.
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 Edinburgh
If you’re worried about your credit score getting in the way of securing car finance, don’t be. At First Response Finance, we’ve been helping customers in Edinburgh and across Scotland get approved for finance, even if they’ve had credit difficulties in the past. We’ll look at your full situation, not just the numbers on your credit report, and do our best to find a solution that suits you.
Our team is on hand to answer any questions and help make the whole process as simple as possible.
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Motorbike finance specialists in Edinburgh
Looking to take on the open road on two wheels? Whether you're navigating Edinburgh's busy streets or heading into the scenic Lothians, First Response Finance can help you secure the right motorbike finance. We’ve been supporting bikers in Scotland for over two decades and offer finance options for everything from 125cc learner bikes to electric motorbikes.
If you need help sourcing a motorbike, we can point you in the direction of trusted dealers we work with throughout the UK.
Van finance specialists in Edinburgh
Running a small business or working for yourself in Edinburgh? Whether it's a van for tools, deliveries, or day-to-day work, First Response Finance can help you find a finance solution that fits. Even if your credit history isn't perfect, we’ll do our best to support you and offer a straightforward process from start to finish.
We've helped many customers across Scotland with van finance, and we’re here to help you too.
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 Edinburgh?
Let us help you get on the road - explore our range of finance options created with you in mind.