At First Response Finance, we've been helping people across the UK get on the road for over 25 years - including many drivers in Manchester. Whether you’ve got a perfect credit score or faced a few financial hurdles, our friendly team is here to make the car finance process clear, fair, and stress-free. With offices in Nottingham, Leigh, and Glasgow - and strong relationships with dealerships across Greater Manchester and beyond - we're proud to offer a service that's both national and local.
Manchester is a lively and diverse city, known for its industrial roots, world-famous music scene, and two top-flight football clubs. Whether you're driving to work, heading to the Trafford Centre, or taking a trip into the Peak District, having your own vehicle offers flexibility and freedom. We're here to help you get the car you need, regardless of your credit history.
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 Manchester
Worried about bad credit affecting your chances of getting car finance? You’re not alone – and it doesn’t mean you're out of options. At First Response Finance, we’ve helped thousands of people across Manchester and the North West get approved for car finance, even with a less-than-perfect credit history. We look at your full financial picture, not just your credit score, and may still be able to help.
Our team is here to guide you through every step and answer any questions you may have.
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Motorbike finance specialists in Manchester
Fancy getting around Manchester on two wheels? Whether you’re commuting through the city or riding out to the countryside, First Response Finance can help you with motorbike finance. We offer finance options for a wide range of bikes, including 125cc, electric, and larger models, and we’ve supported riders across the UK for more than 20 years.
We also work with trusted motorbike dealerships and can help you find the right bike if you need a hand.
Van finance specialists in Manchester
If you’re self-employed or running a business in Manchester, a van might be essential for your work. Whether it’s for deliveries, tools, or day-to-day transport, we can help you secure van finance that suits your circumstances – even if your credit history isn’t ideal.
We’ve helped many customers across Greater Manchester and beyond get the finance they need to keep their business moving.
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 Manchester?
Let us help you get on the road - explore our range of finance options created with you in mind.