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. 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.
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. 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.
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. 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.
Services
When considering finance for a vehicle we advise that you research and know of as many different ways to do this as possible. If you're not paying cash then it's likely you'll look to finance it through either Hire Purchase, Personal Contract Purchase or a Personal/Bank Loan. At First Response we only offer Hire Purchase as a way of getting a vehicle so if you're looking for PCP or a Personal Loan you will need to look and apply elsewhere.
In addition to the knowledge we have gained over the years we have also won national awards based on our customer service. We offer Hire Purchase finance agreements across three types of vehicles: car, van and motorbike. A Hire Purchase agreement (HP) means you pay pre-agreed monthly payments for a set period of time and do not own the vehicle until you pay your final payment.
The calculator above is best used honestly, this means if you don't have the best credit then use the "average" or "poor" selection. The APR that you see is representative of the APR for those factors (lend, time and credit file). The calculator is only for Hire Purchase and not Personal Loan or PCP (we do not offer PCP finance).
We pride ourselves on being different to other car finance companies, our ultimate focus is on customer satisfaction through the service we provide. This is shown by the awards we have won, based on customer experience and happiness from the car finance product we provide each day.
In fact, our customers are at the heart of everything we do; from the decisions we make, to the continuous improvement of our services - maybe that's why we're growing each year, having financed over 200,000 UK customers.Try our flexible and friendly car finance for yourself today! Unlike most other vehicle finance companies, First Response Finance don't charge any fees!
In fact, our customers are at the heart of everything we do; from the decisions we make, to the continuous improvement of our services - maybe that's why we're growing each year, having financed over 200,000 UK customers.Try our flexible and friendly car finance for yourself today! Unlike most other vehicle finance companies, First Response Finance don't charge any fees!
We have been providing motorbike finance to UK customers since 2004, which makes us one of the longest standing and most experienced companies in the UK. Our motorbike loan process is simple and efficient; apply online by providing personal, address, and vehicle details. The bike you choose can be from any motorbike dealer in the UK who has FCA permissions (this means they're legally allowed to sell finance).
Reviews (9)
Ashley Geelan
Dec 26, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Absolutely phenomenal staff, they couldn't do enough for me! After been turned down numerous times for car finance I had lost hope! But these guys went above and beyond to help me! Now got the car I wanted and couldn't be happier with them! Brilliant service 100% recommend!
Absolutely phenomenal staff, they couldn't do enough for me! After been turned down numerous times for car finance I had lost hope! But these guys went above and beyond to help me! Now got the car I wanted and couldn't be happier with them! Brilliant service 100% recommend!
Amy Bull
Dec 24, 2021
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Absolutely fantastic company - provided me with car finance when I had been refused elsewhere, yet it was fair, professional and great value for money. They are a fair company who value your custom and the fact I made all payment on time consistently they were able to provide me with a personal loan when I needed it too. Cannot fault them, will be using again in the near future! 5*!
Gary Crawshaw
Dec 07, 2021
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D. P. Knight
Oct 10, 2021
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I didn't think I would get Finance with First Response due to my bad credit and having an CCJ in the past. However after speaking to a member of the team who was so helpful and polite. They said they would give me Finance but gave me a limit. Which I was happy with and made sense as they wanted to start me off small and build up my credit again. I am very pleased with the vehicle I was able to get which I got on Hire Purchase. All I can say is if this is the kind of service I'm getting then I will happily stick with them when it comes to getting a new vehicle in the future. I added some Photos
Geoffrey Le
Oct 09, 2021
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Colin Hayward
Sep 12, 2021
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Shah Agha
Aug 19, 2021
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We had an amazing experience from first response through Star. Star was very professional, efficient and maintained constant contact with us from our initial enquiry to the point we collected our vehicle. She helped us throughout our application and was always available to help whenever needed. We would definitely recommend first response, Star and her team! Thank you Star you were amazing! Mr & Mrs Agha.
Wayneka Lot
Aug 14, 2021
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First response finance are excellent if you are new to finance, they are very helpful and very professional. They have brilliant flexibility with there payment plans too.
I was unfortunate when I financed my first car through them as the engine blew up 5 weeks after buying it. The garage I purchased the car from had to go into liquidation due to the pandemic so I thought i was very out of pocket but a few conversations later with the team at first response finance and they agreed to pay for a replacement engine and for the cost of the labour too. Highly recommended in my opinion. 5 stars
I was unfortunate when I financed my first car through them as the engine blew up 5 weeks after buying it. The garage I purchased the car from had to go into liquidation due to the pandemic so I thought i was very out of pocket but a few conversations later with the team at first response finance and they agreed to pay for a replacement engine and for the cost of the labour too. Highly recommended in my opinion. 5 stars
Jane Quilley
Jul 12, 2021
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I have been a customer for 10 years. Just purchased another vehicle. I have never had a problem, they even consider tax credits as income. Very good to there loyal customers. I had an issue with my van that was involved in an accident. First response paid of the remaining finance and I was able to re finance another van with no issues. Very helpful team as always.
