Car Finance
Car Finance
We know that purchasing a vehicle is a big investment for most people and we’re dedicated to making the buying process as straightforward and hassle-free for our customers as possible. We supply the cars and can help you create a finance package that could get you behind the wheel of your dream car. First Response Finance Ltd can offer Hire Purchase car loans of £2,000 - £15,000 over 18 - 61 months.
- Award-winning car finance company
- Recommended by 98% of customers
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Representative APR 29.9% APR
Finance is often a major part of our customers’ car buying journeys, so we have taken the necessary steps to offer some great packages as well as peace of mind. As a Financial Conduct Authority (FCA) registered lender and dealership, we have lots of friendly and helpful staff members who can deal with any queries you have.
First Response Finance Ltd is a lender, not a broker. Our rates start from 19.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £7,000 over 48 months with a representative APR of 21.9%, the amount payable would be £235 a month, with a total cost of credit of £4,264 and a total amount payable of £11,264.
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.
Finance Enquiry
Car Finance Explained
There are three main types of finance deals that you might want to consider:
Hire Purchase
Sometimes just referred to as HP, this is a loan secured against the vehicle itself. This is a great choice for people who want to spread out the cost of their car. Typical HP deals involve a deposit and the rest of the balance is paid in instalments, plus interest. Once you’ve paid your final instalment, you own the car outright.
Personal Contract Purchase (PCP)
This is a good option for those who like to change their car every few years but don’t want to fork out a big sum each time. You will typically be asked to pay a deposit followed by monthly payments. At the end of the agreed period, for example, three years, you will have the option of paying the rest of balance, returning the vehicle or using any residual value on a deal with your next car.
Personal Leasing (Contract Hire)
Contract Hire deals are very much like the PCP deals described above, however, you won’t have an option to buy the car outright at the end of the deal.
First Response Finance Ltd offer Hire Purchase finance packages, so get in touch with a member of our friendly team to find out what your options are.
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Authorised and regulated by the Financial Conduct Authority. All finance is subject to status & no application is guaranteed. Representative 29.9% APR
Registered Office: Chetwynd Business Park, 5 Regan Way, Chilwell, Nottingham, NG9 6RZ
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