Representative 30.9% APR
Owning a car isn't a luxury, it's a necessity that provides convenience, flexibility, and freedom. However, the upfront cost can be quite daunting - but that's where First Response Finance can help you. Buying a car on finance offers an accessible and manageable way to get behind the wheel without breaking the bank.
We've been named Best Car Finance Provider in the Consumer Credit Awards four years in a row. And with a rating of 'exceptional' from thousands of independent reviews on Feefo, we're a car finance company you can trust.
Hire Purchase is a way of buying a car on finance, where the loan is secured against the vehicle. Here's how it work:
Just so you know... a deposit isn't always needed. It depends on your credit limit and the cost of the vehicle.
Craig, Head of Underwriting at First Response Finance, is on hand to answer that one:
"Understanding the cost of car finance is crucial when planning your next vehicle purchase. The total cost can vary based on factors like the loan amount, term length, and your personal credit history. To make the process simpler, we recommend using our car finance calculator tool. It's a quick and easy way to get an estimate based on your information, helping you budget confidently and avoid surprises."
Select the option that best describes your credit rating.
There are no additional fees
Representative
28.9% APR
We use Experian, one of the UK's top credit reference agencies, to run our credit checks. This helps us to understand your credit history, which is one of several factors we take into consideration when making a decision on your approval for vehicle finance.
Applying for car finance is as simple as one, two, three!
Fill out our online quote form to get an instant decision on your eligibility and see how much your monthly repayments would be.
Whether you're looking to buy your first car or a seven-seater for your growing family, we can provide finance on a variety of brands such as Ford, Vauxhall, and Nissan. For more information, check out our fixed and flexible car finance criteria:
While our criteria helps us to lend responsibly, we're flexible on things such as the age of the car and the term of the agreement. For example, you can choose to pay your car finance loan over a long period, i.e. 48 months, or make larger instalments and pay your finance agreement off in as little as 18 months.
Explore your options with a quick, free car finance quote - tailored to your budget.
We’re authorised and regulated by the Financial Conduct Authority (FCA).
We're committed to treating customers fairly and giving clear, honest information so you can trust us to put your best interests first every step of the way!
When you buy a car through Hire Purchase, a deposit isn't always needed (depending on your credit limit and the cost of the vehicle). You can hold onto the savings or put the money towards other expenses, such as tax and insurance for the vehicle.
Car finance opens the door to a wide range of vehicles that might have otherwise been out of reach. Whether you're looking at a sleek saloon or a sturdy SUV, our car finance options can be adapted to suit your budget and preferences.
With fixed monthly (or weekly) repayments, you can manager your income more easily because you know exactly how much you owe. And there's no balloon payment due at the end of the agreement, so that's one less thing to budget for.
When it comes to car finance, there's no one-size-fits-all answer. Your financial situation, driving habits, and future plans play a crucial role in determining the best fit. Here at First Response Finance, we will have a conversation with you, so we can get to know you and tailor our offering to suit your needs. Here's why we're the go-to choice for car finance in the UK:
Unsure if a Hire Purchase agreement would be suitable for you? Check out some of the benefits and potential drawbacks.
We're SAF Approved by the Finance & Leasing Association (FLA), which means that all of our customer-facing employees have passed the Specialist Automotive Finance (SAF) Expert test. This ensures our team members have all the relevant knowledge to advise you on available finance products and help find the right one for you!
We can provide poor credit car loans to people with a thin credit file or bad credit history, and who have been declined by other lenders.
With First Response Finance, electric car finance is simple, flexible, and tailored to you. Ready to drive electric?
If you live in Northern Ireland and want to buy a car using affordable monthly payments, we can help!
Can't afford to buy a car outright? Used car finance allows you to spread the payments out over an agreed period of time.
If you want to increase the chances of your car finance application being approved, adding a joint applicant could help!
We're a trusted car finance company, and you can use our simple tool to get a quick, free quote to get you started.
This page was last reviewed in January 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.
