First Response Finance: An award-winning, fast paying, and flexible sub-prime finance company

Who are First Response Finance?

We are an award-winning finance company based in Nottingham with two other offices in Leigh and Glasgow. Over the last twenty years, we’ve specialised in sub-prime vehicle finance and have earned a reputation in the motor trade for being among the best in the industry.

With flexible underwriting criteria, an award-winning service, fast pay-outs, and an easy and simple to use dealer portal, we have helped thousands of motor dealers sell more cars, bikes and vans on finance to their sub-prime customers.

Specialists in sub-prime vehicle finance

As specialists in sub-prime vehicle finance, we have over twenty years’ experience in financing customers with less-than-perfect credit. Our in-depth understanding of the challenges faced by these customers allows us to provide tailored financing solutions. By partnering with First Response Finance, motor dealers can offer a broader range of financing options, and help them sell more vehicles to more customers.

Non-Prime finance customers

We understand that some customers fall into a credit grey area due to 1 or 2 missed payments or very minor credit issues, making them ineligible for prime rates from certain lenders. These types of customers are sometimes referred to as non-prime. It can be can be confusing and even difficult to know which finance companies to send these customers' applications to. That's where we step in, as we can provide finance for customers in the non-prime category too, often offering better rates and support.

Our flexible sub-prime underwriting criteria

We understand that each customer's financial situation is different. We understand that to underwrite customers who may have had credit issues in the past, we need our underwriters to be flexible in their approach.

Due to our flexible underwriting criteria, we can finance a wide range of cars, bikes and vans for sub-prime customers. This flexibility means our dealer partners can sell more cars, bikes and vans on finance to more customers, especially those customers who may have been declined by other lenders. In one of our existing blogs we discuss how our flexibility will help you sell more.

One of the fastest paying sub-prime finance companies

In an industry where timing is everything, we are one of the fastest paying sub-prime finance companies. Our efficient processes and streamlined dealer portal, means we can pay out deals in less than 15 minutes once we have received all the documentation that we need. This speed benefits both our dealer partners and customers, allowing dealers to close deals quickly and customers to drive away in the vehicle they want much faster!

The power of the First Response Finance Dealer Portal

The First Response Finance Dealer Portal is a powerful tool designed to make sub-prime finance easy for our dealer partners. The First Response Finance login is accessible through our dealersite, and offers a range of invaluable resources and features which include, instant decisions, real-time application updates, free customer leads, document uploader, and with instant chat on hand to assist you if you still have any questions. Our Dealer Portal page has a more detailed overview of the benefits that you and your dealership maybe missing out on!

Our staff, dealer partners and customers have voted us an award-winning company

We have established ourselves as an award-winning finance company and one of the leaders in sub-prime finance in the motor trade. Our customers have voted us as the top-rated finance company on Review Centre, and our dealer partners have consistently recognized us as a top-rated finance company. We have won 11 'Sub-Prime Finance Provider of the Year' awards in Car Dealer Power Awards since 2011, and we recently received the same award for 2023.

In addition, we have been featured in the Best Companies Survey since 2011, where our staff rates us highly as an employer and provides valuable feedback for improvement to our business. When you partner with us, you can be sure that you and your customers are in safe hands.

Partner with us

If you want to work with one of the best sub-prime finance companies in the UK, First Response Finance is here for you. Our flexible criteria, award-winning service, and consistent recognition from the industry, we are the go-to sub-prime finance company in the motor trade that you can trust.

Partner with us and experience the difference of working with the best subprime finance lenders, dedicated to helping you and your dealership get more deals over the line. If you don’t currently work with First Response Finance and would like to discuss how we can help you and your sub-prime customers, click the relevant button below, and Brad from our team will be in touch to discuss how we can help you sell more cars on finance.

Partner with us            Arrange a call back                         Call us today  

Help and assistance for our dealer partners

Our blogs provide our dealers with guides, tips and articles from around the industry. Some of our most recent blogs discuss how to audit your dealerships' energy usage, The FCA Consumer Duty, a social media guide for dealers, how to sell more vehicles on finance and many more that can be found on our blog page.

Check out our blogs today and see how they can assist you and your dealership save money and sell more.