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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.
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.
Our car finance application process is as simple as one, two, three!
Complete an online application form and get a decision on your approval within minutes.
If you're automatically accepted for car finance, you'll be able to finalise your application online.
If your finance application is referred, we'll get in contact with you via email or SMS to arrange a time for one of our Underwriters to call you and discuss your application.
If you want to increase the chances of your car finance application being approved, adding a joint applicant could help!
Getting approved for car finance is quick and easy - apply, sign, and drive away.
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.
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.
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.
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.
Unsure if a Hire Purchase agreement would be suitable for you? Check out some of the pros and cons!
Press releases | Oct 2024
Press releases | Oct 2024
Press releases | Sep 2024
Press releases | Sep 2024
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.
Getting approved for electric car finance is quick and easy with our simple online application form.
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!
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.
