First Response Finance Review [Read Our Experts Opinion]

Jane Wardle

Written by Jane Wardle on April 5, 2018

Updated April 5, 2018

first response finance

Overall Rated: 4 / 5


Since 1998, First Response Finance has successfully been providing the best hire-purchase financing deals for cars, motorbikes and vans. More than 130,000 customers have already benefitted from the company’s services.  Whether you’re looking for van finance for your personal or business needs, bike finance for weekend riding or a much-needed car, First Response Finance’s Hire Purchase product can help with quick and efficient financing, offering loans to vehicles costing between £2000 – £10,000 (up to £15,000 in certain circumstances) with APR starting at 38.9%. The loan terms are usually based on 18-60 month agreements, which make the terms highly flexible for customers to repay as their circumstances allow.

The company has a great market reputation, and most of their customers rated them as 4.8 out of 5, as stated on the website. The simple process, fixed monthly payments and rates, and flexible repayment terms make it a great choice for customers looking for quick loans.  First Response Finance has been voted as the Car Dealer Magazine’s “Sub-Prime Finance Provider of the Year” 2016 and also rated as the UK’s favourite car finance company on Review Centre under the category ‘car loans’.

In addition, the company has also got great reviews on, where the majority of customers recommended First Response Finance’s financing deals.

Trust & Reputation

Rated 5/5

The ‘bad credit’ finance experts at First Response Finance have provided car finance to over 130,000 people who have struggled to get finance elsewhere due to their bad credit history. Customers with a good credit rating will get even better rates and financing deals. Apart from offering affordable financing deals due to having a strong network with dealers all across the UK, the company also helps customers looking for their desired car after getting loan pre-approved. The dedicated advisors help the customers make the best buying decision and choose the best financing option.

First Response Finance Ltd, registered in England, is authorised and regulated by the Financial Conduct Authority. It has won a number of awards, for instance, it has been voted as the Car Dealer Magazine’s “Sub-Prime Finance Provider of the Year” 2016 and also rated as the UK’s favourite car finance company on Review Centre under the category ‘car loans’.

More than 2400 users on the website have left the highest rating i.e. 5 out of 5 on the company’s website for its exclusive, simple-to-apply, and faster loans service for all kinds of cars, motorbikes and commercial vans. The customers having the bad credit history also admire the efficient services of First Response Finance.

Expertise & knowledge

Rated 4/5

First Response Finance offers customers a starting rate of 38.9% for loans between £2000 and £10,000. The loans can be taken out over a flexible term of 18 to 60 months. The Car finance service covers hire purchase only. With the strong network of dealers all across the UK, the company is able to offer the cheaper rate in the market and has served more than 130,000 customers up till now. The flexible loan terms offer different payment frequency options.

The company offers tailored finance packages to the customers along with a guideline to search for the desired models. In addition, financing is also available for motorbikes and vans. The loans are typically characterized by fixed monthly payments. Customers can choose the loan terms as per their personal circumstances. The knowledgeable loan consultants expertly guide the customers throughout the process. In addition, the advisors of the company offer consultation and guidance for finding the dealer online. So, if you have not chosen your dealer yet, you can avail this service offered by First Response Finance.

Customer Service

Rated 4/5

First Response Finance is classed as a ‘sub-prime’ lender, specialising in helping people who have had poor, bad or limited credit files in the past. The company has successfully retained almost 30% of its online customers. Unlike other car finance companies, First Response Finance doesn’t charge its customers any additional fees; they just pay the vehicle price along with any interest. The Hire Purchase finance agreement offered by the company brings affordable monthly instalments at a fixed rate of interest.

First Response Finance is able to finance most used cars so long as it is suitable for your needs and it matches their fixed criteria. The company; however, cannot finance Eastern European car manufacturers (except Skoda). Nonetheless, the company is flexible on things such as the car’s age, price and length of time you would like to finance the vehicle over.

The application process is simple; Apply online or via call, discuss, sign and as soon as they receive all signed documentation, they will pay the dealership themselves and you can drive away. With numerous awards and excellent reviews regarding customer service and financing options, First Response Finance serves as a one-stop-shop especially for customers looking for bad credit loans at affordable rates.