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First Response Finance

First Response Finance

(31 customer reviews) Submit review
First Response Finance has an average rating of 3.7 out of 5 based on 31 user reviews

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Address
First Response Finance Ltd, Chetwynd Business Park, 5 Regan Way, NG9 6RZ
Telephone
0115 946 6260
Fax
0115 946 6337
Email
[email protected]
 
 

Acceptance Criteria

You need:
  • You must be aged 21 or over
  • You must be employed, self-employed or in the armed forces
  • You must have a bank account with direct debit facilities
  • You must have been a UK resident for one year or longer
  • You need: Full UK driving licence, wage slips, proof of ID, proof of address
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Reviews
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Customer Reviews - The truth about First Response Finance

Average Customer Review: (31 customer reviews) Add your own review

Average Customer Review:

(31 customer reviews)
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The most favourable review

GREAT COMPANY

Tanya wilson, Bournemouth
1 month ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

FIRST RESPONSE FINANCE ARE A GREAT COMPANY TO GO TO IF YOU HAVE BAD CREDIT IVE BEEN USING THEM 9 YEARS HAD THREE CARS WITH THEM I HIGHLY RECOMEND THEM GREAT SERVICE AND FRIENDLY PEOPLE TO TALK TO

The most critical review

Backstabbers

Dave from sheffield
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

We used this company to buy a car in a desperate situation the car we had wasn't worth the money we were paying so we asked if we could swap but that wasn't happening so eventually when they let's us we voluntary terminated now after looking at my credit report I have noticed they have defaulted us for this even though it says in the contract we can voluntary terminate once we have paid so much of the balance moral of the story is dont use first response no matter how desperate you are

GREAT COMPANY

Tanya wilson, Bournemouth
1 month ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

FIRST RESPONSE FINANCE ARE A GREAT COMPANY TO GO TO IF YOU HAVE BAD CREDIT IVE BEEN USING THEM 9 YEARS HAD THREE CARS WITH THEM I HIGHLY RECOMEND THEM GREAT SERVICE AND FRIENDLY PEOPLE TO TALK TO

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Fast Pay out Warranty line has a poor attitude

Tom, Norfolk
1 year ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
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You only go with these people if your credit history isnt great. I had a default against me (wrongly but the company who put it on refuse to take it off) and first response was able to offer me credit for the car i wanted on their lowest interest rate (still very high, but they take the risk). They were extremely quick to pay out, completed the finance at 4pm and was able to collect the next morning. I was offered GAP insurance which is a must and warranty. i was assured that a HPI check would be done on the car, i wasn't given the results so i assume they were happy. I am debating keeping the GAP and Warranty at the moment, as the GAP insurance they offer is not competitive and after making a enquiry about the warranty to see if the car was even covered with no present service history i was greeted quite abruptly with the attitude of 'what do you want me to do about it?' so i dread to think what they will be like if i come to claim.overall they seem very good as long as you can afford the monthly payments. look elsewhere for GAP insurance and make sure you read all the T's

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brilliant service

Andy h, Morley leeds
1 year ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

i can not fault these people. They were the only ones willing to help me after some hard times a few years Prior ! Thank you very much all paid off now with NO Problems. Keep up the great work First Response.

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very helpful

Val, West susex
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
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  speed to payout

Your review

bought our berlingo local dealer 6 months ago, crawley dealer not great at addressing initial problems, but thats not first responses fault , anyway , we paid for 1 yr warranty with FR and three months after purchase starter went completely over £360 , 1st response warranty paid dealer direct easy , citreon worthing brilliant at getting this paid direct as we hadnt the money ,no hassle, couldnt have been more helpful ,will sue again , 6 months left topay and will change car , wouldnt hesitate to use again

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does what it says on the tin

Andrew
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

the people who complain are complaing about the car not first response i found them ok they gave me finance for the car i wanted high APR but its my fault not theirs if you need a car loan and your less than perfect credit wise you cant go wrong just reasearch your car they want you to make all your payments remember

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Backstabbers

Dave from sheffield
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

We used this company to buy a car in a desperate situation the car we had wasn't worth the money we were paying so we asked if we could swap but that wasn't happening so eventually when they let's us we voluntary terminated now after looking at my credit report I have noticed they have defaulted us for this even though it says in the contract we can voluntary terminate once we have paid so much of the balance moral of the story is dont use first response no matter how desperate you are

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Nice people

A maddy, Sheffield
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
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  speed to payout

I found them to be helpfull I got a car 5years ago two yeas down line I lost my job I rang them to let know and they came up with a plan to pay when I got a new job I arranged normal payments plus the added bit more to pay the year missed when car was payed off got a new one for partner and we got a great deal money of car and further money off for payments been good .
We have had no problems or bad calls I think it depends on how you come across to them and understanding

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Gangster Company

John stafford, Eccles manchester
2 years ago

 
 
 
 
 
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  speed to payout

The worse finance company in existence !!!! If you fail to keep up payments - god help you !

I returned the car 2 years ago after losing my job, then then the nightmare began !

Daily phone calls to myself, my new employer, my wife, even my neighbours

Constant threats of legal action on all of them unless they provide information about me, phone my employer daily - FOR TWO YEARS !!!!!

They use various tactics when on the phone such as claiming to be a family member or a survey company, they are relentless and WILL make your life a living hell !!!!!!!

AVOID ... do not use them ... my advice is to buy a bike or use the bus ... steer well clear of these carrier monkeys, they put the Sopranos to shame with their gangster tactics !

YOU HAVE BEEN WARNED !!!!!!

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dont go to first response

David, Chester
2 years ago

 
 
 
 
 
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  speed to payout

they target people with not much money, best option to do is improve your credit rating first then go to another lender once it has been improved. can imporve it by getting a high interest credit card, make payemnts back within 56 days and get charged no interest. do this for 6 months or so then credit rating will be improved then a better lender will give u credit

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cant complain

Ray, Borehamwood
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

used them twice and about to use them again no probs,very helpful and efficient,apr bit high but thats down to me cause of my credit rating but having said that they got me out of trouble when i used them first time and the vehicle broke down they contacted the dealer and the car was put right at no cost.so well done first response the name says it all.

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very good

Julie, Staffordshire
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

i used first response 2 years ago very helpful i would and have recomended them .

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very good finance company

Ian, West midlands
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

i have had sketchy credit history, after approaching several dealers,i was put through to first response, within 1 hour i had the funds and picked up the car the following day after organising the insurance, excellent service, will deal with them again...

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AVOID ... like the plague

Bob what, Leigh
2 years ago

 
 
 
 
 
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  simplicity
 
 
 
 
 
  speed to payout

ABSOLUTE NIGHTMARE... returned my car to them after losing my job. Thats when they turned nasty... REALLY nasty.
They constantly harassed my wife at work until she cried, claiming we owed them money !! Then they phoned/harassed my neighbour who is 83, this happened in 2010 and is still going on now - after 2 years !!
They constantly phone my new employer - every week, still threaten me with court action which incidentally they have never had the guts to go to court !

There policy is to bully, harass, intimidate CONSTANTLY !

NEVER use 1st response they are a bunch of gangsters

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First response...first class

Sean, Manchester
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

only hadcar two months when it was written off...no probs with gap insurance and new finance for replacement car straight away...great staff...as for intrusive questions they need to know everything but they helped me through it all so easy ..thanks

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to personnal

Peter, Wirral
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
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i thought first response were very intrusive. They got up my credit file and asked questions about my credit score and my past. I would not recommend these people to anyone and i think its rude the way they are. Other companys will look at your credit and decide where as these people want to know your whole history.

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Fantastic Service

Lisa, Dunfermline
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I know nothing about cars so took someone I did with me when I went to look. It's not First Responses fault if there are unscrupulous dealers out there (honest carsalesman - ever heard of one?). I have a bad credit history but First Response could not have been more helpful, the whole process was quick and simple and I will definitely be using again.

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Very good

Josh, Bolton
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

Helped me get the cash for a new car. High apr but that's no ones fault but my own. Never had a problem with the company and every time I have spoke to them they have been very helpful.

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Good company

Caroline, Ayrshire
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I got finance from this company nearly 2 years ago for my car as I had bad credit rating. Women who dealt with me was really helpful. I make my final payment in march and they have contacted me to ask if I want a loan. Im definately thinking about it and it would help repair my credit rating even more. Dont know if im missing something here but the people who have had a bad experience, are you going to reputable dealers and doing your research??

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good company

Karen, Welwyn garden city
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
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  speed to payout

after reading such bad reports on this company i had to add to the reviews.but mine are very good reports .i went to luton and see a lovely little daewoo matis and it only had just over 28 000 miles on the clock.it came with a full mot and 3 months tax.what a bargin,and a great price too,just under 2,grand.i had bad bad credit history ,due to my break up of marrige ,but they saved my working life,by lending me the money over 2 years at just under a 130.00 per month.they were a very helpful lot of people and so were manor park motors where i purchased the car from.im very sad for people whom have had such bad issues with this company, but i think you get alot of bad complaints from any company.and never read about the good ones thats why i have added my views here .

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2 YEAR NIGHTMARE

Jenny, Birmingham
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I went with first response just coming up to 2 years ago and a lovely helpful guy called Christian recommended me to a garage called Ian Farrell. This is a garage that works along side First Response, I was encouraged to buy a particular guy, I wasn't in a great position as I had no credit rating so I reluctantly agreed, it went through quick from there, but the day after I had the car it broke down and the window fell out on the drivers side, I immediately made calls to first response and Ian Farrell who might I add asked me' what I wanted him to do about it ' first response were so unhelpful I presume because Ian Farrell sends a lot of business there way, the short version is I went back to the garage 18 times they could not fix the problem with the car my warranty ran out I had to pay over £1000 out my own pocket to fix a car that was rubbish the day I bought it, I felt mugged by these people who have made this whole experience a complete nightmare they couldn't have been less helpful,

If you choose them to supply your finance you are taken a total chance on whether the goods supplied are any good or not, and of they are not you will hear a barrage of exscues ranging from, your unlucky, we can't tell every problem bla bla bla the fact is I spent so much time at that 'garage' with the mickey mouse mechanics that I can tell you I saw many atleast 7 other dissatisfied customers with a range of bizarre and irritating problems with their vehicles after owning them less than a week,

I say look else where you are taking a rusk using this company a big one that could cause you huge stress, what I've wrote here is only a snipet of what I've been through

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Go some where els !

Beverley, Cambridgeshire
3 years ago

 
 
 
 
 
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  speed to payout

I took a car out on fiance in september 2011 three weeks in I found a lot of problems with the car and was going to cost me over £1000 pound to fix, taken frist response fiance mechinal brake down insurance out and extra insurance for any michincale problems when contacting frist response they would only fix half of the problems with car so Im still left with a large bill of the car to fix, was every unhelp full and said they would only fix the rest of my car when broken down but when this is to happen I could spoil all my engine due to a timing chain need tigting or new parts also said they would not help with this problem. I would suggest looking befor entering any fiance contract with them also have the car checked over befor signing any thing dont all ways believe what fiance company say and car dealer, still waiting for to be fixed in court battle with them and trading stander's involved but im with out a car for may be six months to a year till it is settled in court for repairs or out of the fiance agreement, no god to me I'm a nurse doing roation shift's so how am I meant to get to work and back, dont be cheated from them.

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Freedom of Choice

Angus, Mcdermott
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

After reading the previous reviews I was unsure whether to apply with First Response or not but since I applied I soon realised that the majority of the negative reviews were specific to dealers that used them. They operate a 'preferred dealer' system which lets you choose from dealers who they actually vouch for. SInce I have got my car it has run like a dream and the payments weren't actually too bad in comparison to other lenders I applied to.

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Do Not Use

Debbie, Midllothian
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

Bought a car financed by first response, 2 weeks later car breaks down, finance company terrible to deal with, very unhelpfull only after your money still 4 weeks on and still no car. On top of that the car was supposed to come with full service history which apparently got lost in the post. So please do you research and have any car checked over also read all terms and conditions before signing anything, also after purchasing car i realised that they charged me some £1000 over the asking price according to Parkers car valuations.

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Very happy

Paul
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
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  speed to payout

I recently bought a car through first response, who explained my credit limit and everything, so the dealership works through them. APR high, due to my credit score, but must say they were extremely helpful finance over 36 months, not like ACF for 60 months! the veichle I have bought has service history,and a good buy. very pleased and would definatly use again.

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Very helpful but a bit expensive!

Lina
4 years ago

 
 
 
 
 
  price
 
 
 
 
 
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Good Points

Accept applications from people with a less than perfect credit history.
Very good customer services.
Can take payments weekly from your account if monthly is a struggle.
Beat the hell out of Welcome Finance!
They finance motorbikes too!

Bad Points

APR starts off high (38%), but it comes down over time.
Certain restrictions on the car you can buy. Has to be less than 9 years old, and no Japanese imports.
Will only lend up to £10,000.

General Comments

I got finance for my car back in 2002 from First Response Finance. The APR was high (38%), but the payments were affordable. Since then I have paid off the first loan and taken out a new one. The APR has dropped to 28%, and I could go and find the car I wanted. They do an HPI check on the car, and they even check the value so you don't get ripped off by shady dealers. Once you find the car you want, there are a few hoops to jump through (fax wage slips, proof of address, etc.), but the dealer gets confirmation that the cheque is on it's way to them within 20 minutes of starting. If you are after a hard to find car, they will even find it for you.

My loan will be paid off next year and I will be back with First Response once again.

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They only wanted my money

Phillip
4 years ago

 
 
 
 
 
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I applied for car finance and never heard anything back. So I decided to call them. I explained my full situation and was assured they would be able to do something, I didn't want them applying for credit if it wasn't realistic. Then, to hear nothing back really was upsetting.

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First finance back in 2002

Rebecca, Brierley hill
4 years ago

 
 
 
 
 
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I got finance back in 2002. The APR was quite high but they make the payments affordable. Since then I've paid off the first loan and taken out a new one! The APR dropped and I did get the car I wanted. They did an HPI check and they even checked the value so you don't get ripped off. Great service.

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Been with them for 8 years

Tracy
4 years ago

 
 
 
 
 
  price
 
 
 
 
 
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  speed to payout

I have been with First Response Finance for almost 8 years and I've always found them polite and helpful, until now! I was looking to refinance to change my car. I asked them for a settlement figure and they said £2040 which equates to £140 rebate over the remaining 16 months, even though they are changing the APR. The lady was very impolite.

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Would recommend

Adam
4 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I would have no problem recommending First Response Finance to any one and I will use them again. They have been that good that I don't think I would use another company!

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Now on my second car

Ashley, Bathgate
4 years ago

 
 
 
 
 
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  speed to payout

The first time I made contact with First Response, I was initially told that I couldn't get the finance on the more expensive car. But, the lady carried on and explained to me how much I could afford. I don't have a fantastic credit history but we built on it ready for our second car.

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They helped me get a better car

Azam pasha
4 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I sent my application to First Resopnse on Saturday night so I didn't expect to hear from them until Monday. In my impatience I called them Monday morning to be told I had been declined. They said they were going to refine my application and to call back in an hour. Within 40 minutes they called me back and I had been accepted for a loan but for a smaller amount which was perfect!

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Loan Details
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Loan Details

Representative APR 41.1%
Loan Amount £1,000 - £10,000
Repayment Period Minimum Term 18 months Loans up to £10,000 - 4 years
Repayment Method Direct Debit
Speed To Payout 1 - 7 working days
Arrangement Fee £249.00
Payment Holidays Available subject to personal status
Payout Method Once approved, First Response Finance will payout directly to the car dealer
Representative APR 41.1%
Loan Amount £1,000 - £10,000
Repayment Period Minimum Term 18 months Loans up to £10,000 - 4 years
Repayment Method Direct Debit
Speed To Payout 1 - 7 working days
Arrangement Fee £249.00
Payment Holidays Available subject to personal status
Payout Method Once approved, First Response Finance will payout directly to the car dealer
Representative Example
Representative example: based on £1000 over 18 months, monthly repayments of £72.16, total amount repayable £1,298.90. Representative APR 41.1%.

About First Response Finance

First Response deal in car and motorbike loans for anything between £1000 and £10,000 over a repayment period of 18-48 months. First Response may still offer you a loan even if you have been refused credit in the past.

You can apply online for a First Response Finance loan or over the phone. During the application you will tell them what car you are looking to buy, they'll then value it for you for free to ensure you are not paying too much for the vehicle. There is the option for single or joint applications. They liaise with the dealer directly for you about the financing of the vehicle. They will also provide a FREE check to ensure that the car has not been stolen in the past or been subject to an insurance write-off. First Response will help you find a dealership in your area, with a car to suit you as part of their service.

The APR is quite high. They are limited in terms of what car you can finance. On the plus side they do a lot of leg work for you with the dealer. Previous customers have explained that they are impressed with the customer service and the people they have dealt with. They are worth looking into if your in need of a car and have struggled getting credit in the past.

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