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Car finance | Car loans | First Response

Get a quote for car finance

Apply for car finance from the UK's number one motor finance provider, as voted for by consumers on Review Centre!

In the fast-paced world we live in today, owning a car isn't a luxury, it’s a necessity that provides convenience, flexibility, and freedom. However, for many, the upfront cost of buying a car can be quite daunting. This is where buying a car on finance comes into play, offering an accessible and manageable way to get behind the wheel without breaking the bank.

Buying a car on finance

Hire Purchase is a way of buying a car on finance, where the loan is secured against the vehicle – you make fixed monthly (or weekly) payments over an agreed period of time and once the final payment's been made, you legally own the car.
Just so you know... a deposit isn't always needed. It depends on your credit limit and the cost of the vehicle.

What is Hire Purchase?

Buying vs. leasing a car

You might think...

Common misconceptions about car finance

Fill out our online <a href="/get-a-quote/" title="quote form">quote form</a> to get an instant decision on your eligibility and see how much your monthly repayments would be.

If you're happy to move forward with your quote, all you need to do is choose a repayment option and then we’ll send you a text message and/or email with the next steps.
Just so you know... the terms given in your quote are just examples and can be changed, you’ll just need to <a href="/retrieve-quote/" title="proceed your quote">proceed your quote</a>&nbsp;first.

Choose your repayments

Once you've chosen the car you want to buy, we'll send you the legal documentation for the proposed finance agreement - you'll need to take some time to read through it, so you understand and are happy with what you're agreeing to.
If you're happy to proceed, you can go ahead and sign the paperwork.
Just so you know... before we send over the legal documentation, you'll need to send over proof of driving licence and proof of income, i.e. bank statements and/or payslips.
We'll pay the dealership directly (funds are usually sent within 15 minutes*) and then you can drive away in your new car!
*97% of the time

Sign and drive away

Find out more

<h2>Joint car finance</h2>

Explore your options with a quick, free finance quote - tailored to your budget.

See how affordable your next car could be!

When buying a car through Hire Purchase, a deposit isn’t always needed (depending on a customer's credit limit and the cost of the vehicle). This means saving can be held onto or put towards other expenses, i.e. tax and insurance.

No upfront cost

Car finance opens the door to a wide range of vehicles that might have otherwise been out of reach. Whether a customer is looking at a sleek saloon or a sturdy SUV, our car finance options can be adapted to suit their budget and preferences.

Variety of choice

With fixed monthly (or weekly) repayments, customers can budget their income easily because they know exactly how much they owe each month – and there’s no balloon payment due at the end of their agreement, so that's one less thing to budget for.

Stress-free budgeting

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 aim to have a conversation with our customers, so we can get to know you and tailor our car finance product to fit your needs.

Why choose First Response Finance?

Unsure if a Hire Purchase agreement would be suitable for you? Check out some of the pros and cons!

Hire Purchase pros and cons

We're here to help you understand car finance...

Explore your payment options

Fixed Criteria

Flexible Criteria

Cars available on finance

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!

Car finance NI

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!

Car finance FAQs

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 <a rel="noopener" href="https://www.citizensadvice.org.uk/debt-and-money/" target="_blank" title="Citizens Advice">Citizens Advice</a> and <a rel="noopener" href="https://www.moneyhelper.org.uk/en?source=mas" target="_blank" title="MoneyHelper" data-anchor="?source=mas">MoneyHelper</a>.

Discover affordable car finance solutions at First Response Finance. With a fast and free quote that's tailored to you, we make it easy to find the right plan for your next car.

First Response Finance

 First Response Finance is a leading vehicle finance company in the UK, with offices in Nottingham, Leigh, and Glasgow. With a strong team of over 300 employees, we believe everything starts with our own people, sharing the same values so we can deliver the best possible service to our customers. Here at First Response Finance, we offer Hire Purchase (HP) finance on three types of vehicles – cars, vans, and motorbikes – without charging our customers any extra fees. Putting customers at the heart of everything we do, our main purpose is to provide great credit solutions for non-prime customers, while creating an extremely positive and trust-based working environment.

Car Finance

 from the time i applied for loan and answered questions and chose a car it was very quick and efficent from beginging to end 

Car Finance Product Schema