At First Response Finance, we believe in getting you back on track, regardless of why you’ve been knocked off course. We specialise in helping people with thin or poor credit files secure the vehicle they need to get from A to B through Hire Purchase finance. If you’ve been turned down elsewhere or are looking to rebuild your credit profile, we’re here to help. Whether you’re looking for a car, van, or motorbike, we work with over 2,750 FCA accredited dealerships across the UK, meaning you’ll never be too far away from a new set of wheels!
We’ve been doing this for almost 30 years, over which time our processes have been continuously evolving to put our customers at the heart of everything we do - things like evolving our best in class technology to help give you a decision, quickly. We’re also backed by Itochu, who have consistently featured in the Fortune Global 500 list of corporations, meaning you can be rest assured that you’re in safe hands.
If you’re looking for a car finance provider you can trust, then we may be the ones for you.
We’ve won a number of awards for our customer service - including being named Best Car Finance Provider five years in a row at the Consumer Credit Awards, as well as being recipients of the Feefo Platinum Trusted Service award in six of the last seven years. Our customers have rated us as Excellent on Trustpilot and we’ve also won a number of industry awards, with our service being recognised numerous times at the Car Dealer Power Awards.
Don't just take our word for it, hear from our customers below...
First, we focus on our people.
We have a very thorough recruitment process to ensure that we're hiring people with values similar to our own.
Our people then improve and deliver our service.
We invest heavily in training and have constant ongoing development sessions so that our employees are skilled and well-equipped to service you in the best way they can.
Profit comes naturally.
We see profit as an outcome of providing excellent products and services - if we do these things well, profit will take care of itself.
We reinvest our profits back into the business, and the cycle continues. We also recognise the importance of giving back to our local communities. For every single finance agreement we write, we donate a to two charities, Trussell Trust and Magic Breakfast, raising over £100,000 in the process.
We put our customers at the heart of every decision we make, always striving to deliver the kind of service we would expect ourselves.
We communicate clearly and transparently with our customers, taking responsibility when things don’t go to plan and always being open to feedback so we can improve their experience.
We work collaboratively across our teams to deliver the best outcomes for our customers, recognising that different perspectives and strengths help us serve them better.
We believe great service is built through learning and improvement. When things don’t go perfectly, we reflect, adapt, and do better - so our customers benefit every time.
When applying for any financial product, you'll be asked to supply personal information about yourself in order for a company to make an informed decision about whether or not their services are right for you. At First Response Finance, we handle this process securely, so that you can have peace of mind during what may be a stressful time.
We're listed as data controllers with the ICO and handle your data in conjunction with our Privacy Policy. Essentially this means that we collect and use your data to assess, provide and manage your finance, and we will only share it with carefully selected third parties where it’s necessary for your agreement, required by law, or to prevent fraud - not to sell it for marketing to unrelated companies.
Rosie | Feb 2025
First Response Finance is a responsible vehicle finance lender, and all decisions are made in the best interests of the customer; based on credit scores, status, and income at the time of application. We'll never approve an application if we believe you might struggle with repayments.
Get independent advice on money, finance products, debt management and budgeting through Citizens Advice and MoneyHelper.
