Cookies Close X Our website uses cookies to give you the best possible experience on our site. By continuing to use the site you agree to our use of cookies. For more information on what information is stored within our cookies please visit our cookie policy page. Credit Guidance Login Home Finance Support About Contact Blog Careers Vehicle finance with no added fees To keep things simple we won’t charge extra fees on your application Finance Calculator Drive away in 3 steps Apply online Pick a vehicle Drive away Apply now Process in detail Car loans Worried about your credit rating? Our ‘bad credit car finance' experts have provided car finance to over 200,000 people who, just like you, may have struggled getting approved elsewhere. Find out more Bike loans Want a motorbike but need finance? First Response are one of a small number of finance companies who are happy to supply bike finance to those who have struggled with bad or poor credit. Find out more Van loans Interested in getting van finance? Need a new or used van for your business needs? Our relationships with dealerships across the UK could help you find the one you’ve been looking for. Find out more Finance calculator Amount Period Select... 24 Months 30 Months 36 Months 42 Months 48 Months 54 Months 60 Months Calculate Loan Putting service before profit We put customers at the heart of everything that we do; helping you, our customer, as much as we can before, during and after your agreement will make us stand out from the competition. We don’t think like most finance companies and we don’t want to. Our unique way of thinking and doing business is one of the reasons we were voted Car Dealer Magazine’s “Sub-Prime Finance Provider of the Year” 2016, 2017, 2018, 2020 & 2021! Our excellent customer service means we're also rated as the UK’s favourite car finance company (lender) on Review Centre under the category ‘car loans’. We've also won the Feefo Gold Trusted Service Award two years running, and our now proud holders of a Feefo Platinum Trusted Service Award for 2nd Year! Apply for pre-approval with us At First Response Finance we understand that getting approved for finance once you have your heart set on a car can be stressful and time consuming at the least. In order to minimise this, we suggest that you apply for pre-approval before you search for your car. This way you will have an idea of the maximum amount you can get to finance a vehicle, meaning you can chose you dream car with peace of mind and a clear idea of budget. Doubts about getting credit? Don’t worry, First Response Finance is a ‘sub-prime’ lender, meaning we specialise in helping people who have a history of poor credit. Make sure you read our application do's and don’ts to ensure you have all of your information ready. Our rates start at 13.9% and we have a REPRESENTATIVE 29.9% APR. Apply today The product we offer is Hire Purchase which is one of the most popular ways to finance a vehicle within the UK. Whether you’re looking for van finance for your personal or business needs, bike finance for weekend riding or looking for a much needed car, our vehicle finance product could help you. Hire Purchase Pros & Cons Pros Simple to arrange Fixed monthly payments Fixed interest rates Flexible term lengths - between 18-61 months The vehicle belongs to you after the final payment Deposits are not required No annual mileage restrictions (unlike PCP) You are protected under the Consumer Rights Act 2015 Cons The vehicle is at risk of repossession if you do not keep up repayments You do not own the vehicle until after your final payment Not suitable if you plan on paying off your loan within 6 months Finance is subject to status and not guaranteed More on Hire Purchase Explore more about finance Hire Purchase Agreements Explained Bad Credit Car Finance Self-Employed Van Finance Got a question? View FAQs Read our Reviews ★ ★ ★ ★ ★ - Rated 4.9 by 2,488 users on Feefo, 2020 "What a cracking company. They listened and sorted me out with the best deal the could" Daniel, 17/02/2020 Read more News Bad Credit Car Loans Improving Your Credit File Looking After a Used Car Awards Site Map Terms & Conditions Privacy Policy Accessibility Careers Slavery & Human Trafficking Statement Employee System Links Group Tax Policy Statement © 2021 First Response Finance Ltd. Registered in England No. 03560611. VAT Registered GB737590895. Registered Office: Chetwynd Business Park, 5 Regan Way, Chilwell, Nottingham, NG9 6RZ Authorised and regulated by the Financial Conduct Authority. All finance is subject to status & no application is guaranteed.