Our flexibility will help you sell more

Helping you sell more vehicles on finance

Here at First Response Finance, we have specialised in the subprime used vehicle finance market for over 20 years. In this time, we have helped thousands of dealers sell vehicles on finance to over 280,000 customers, who have usually been declined by other finance lenders.

Award-winning service

We have won many awards over the years for our customer service, and these awards have been voted for by our customers and dealer partners. For the third consecutive year, our dealers have voted us ‘Finance Provider of the Year (Sub-Prime)’ in the Car Dealer Power Awards 2022, which we believe is a strong reflection of our company culture and flexible approach to underwriting.

an award winning company

We pride ourselves on our service, and our ability to help dealers when it comes to selling more vehicles to subprime customers. We use Faster Payments and send our dealers funds within 15 minutes, upon receipt of all documents and proofs. We can even process your on-site customers who want to drive away the very same day.

Real people making real decisions

Rather than using computers to decide whether to approve a customer or not, we rely on our people. Our manual Underwriters can assess each application on its own merits, which gives us the ability and flexibility to approve complex deals - we understand the importance of real people making real decisions. We do have auto-decline and auto-accept rules, but every other aspect of a finance application is underwritten by a real person and not an algorithm.

“Working with First Response has been a refreshing change; they understand the motor trade and their flexibility when funding a car has been incredibly valuable in getting deals over the line. As the market changes, it is important for us to have a finance partner who is flexible, adaptive, and who reacts to change in a positive way to enable deals to be done.”- Jon Primett of Snodhurst Car Sales

We try our best to get to know your customers on a personal level, reducing the difficulties and stress you may have already experienced while trying to get a customer approved elsewhere. Our approach to the subprime market allows us to help our dealers sell more cars and help customers drive away in the car they want.

Every Customer is different

Not all customers' circumstances are the same, and neither are the vehicles they want to finance. We do have to take into consideration that the vehicle a customer wants may not always be the vehicle they need and/or match their profile. As a result, there are a few instances where we may approve a customer for finance but not on the vehicle on their application. We look at every part of an application to make sure that we are doing the right thing for our customers and dealers.

“To date, we have financed over 1,200 vehicles that were over 15 years old, including a 40-year-old motorbike!”

If you have any questions about a vehicle that you are considering proposing, we are always available by phone to help you. We will consider most vehicles if we can value them, and if you have a customer you are not sure we would consider, just give us a call.

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.

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