Apply for Car Finance
Fair and Bad Credit Finance Specialists
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 are an award-winning finance company, who are recommended by 98% of customers, and we can offer Hire Purchase car loans of £2,000 - £15,000 over 18 - 61 months.
Finance is often a major part of our customers’ car buying journeys, so we have taken the necessary steps to offer some great packages alongside some great cars, as well as peace of mind. As a Financial Conduct Authority (FCA) authorised lender, we have lots of friendly and helpful staff members who can deal with any queries you have.
We understand that your credit file may have been affected by a multitude of things, and look to support in offering finance for people with fair and bad credit.
Learn more about First Response Finance and what they can offer here...
Hire Purchase Explained
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.
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.
Hire Purchase Pros and Cons
Unsure if a Hire Purchase Agreement would be suitable for you? Check out some of the benefits and potential drawbacks.
 Pros |  Cons |
| Fixed interest rate | Finance is subject to status |
| Simple to arrange | You don't own the car until the final payment is made |
| No deposit required | Due to interest, you'll pay back more than you borrowed |
| Flexible terms (18 - 61 months) | The car is at risk of repossession if you don't keep up with repayments |
| No annual mileage restrictions | Not suitable if you plan on paying off your finance agreement within six months |
| Fixed monthly (or weekly) repayments | |
| You own the car once the final payment is made | |
| Consumers are protected under the Consumer Rights Act (2015) |
Finance Enquiry
Representative 29.9% APR
By submitting an application for finance you are confirming that you agree to our Terms and Conditions and Privacy Policy
First Response Finance Ltd is a lender, not a broker. Our rates range from 19.9% to 54.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £7,000 over 48 months with a representative 29.9% APR, the amount payable would be £238 a month, with a total cost of credit of £4,414 and a total amount payable of £11,414. See our finance calculator for more information.
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
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