Who is the best sub-prime finance company?

First Response Finance - The Best Sub-Prime Finance Company in the UK

First Response Finance is rated one of the best sub-prime finance companies in the UK. Since we opened our Nottingham office back in 1998, we have quickly established ourselves as a leading and award-winning sub-prime finance lender, providing financing for consumers with bad credit who needed finance for a car, van, or motorbike.

Over the last twenty years, we have helped thousands of dealers sell over 200,000 vehicles to customers who were turned down by their existing panel of finance lenders. We have been able to do this because of our manual underwriting process, which allows us to carefully assess the applications that dealers propose to us. Our flexible criteria allow us to consider applications on a case-by-case basis, providing a lifeline to customers who have been turned down elsewhere and allows our dealers to sell more vehicles to more customers.

Why are we the best sub-prime finance company?

We are an award-winning sub-prime lender, as voted for by those whose opinions matter most – the motor dealers who use our service. Readers of Car Dealer Magazine have voted us the ‘best finance provider’ in the ‘sub-prime finance company’ category no less than 11 times over the last 12 years.

Car Dealer Power Awards 2023

"Readers love their superb service, and passionate team that always goes above and beyond to help get the deal done" – James Batchelor, Associate Editor of Car Dealer Magazine

We take immense pride in the fact that the dealer partners we work with have consistently voted for us time and time again over the years. Their unwavering confidence in us is the best review and feedback we could ever receive.

The relationships we build with our dealers are at the core of our business. Their satisfaction is a true testament to the quality of service and solutions we provide in the sub-prime finance industry. We take pride in being a reliable and dependable finance partner, working closely with dealers daily to help them get their sub-prime finance customers driving away in the vehicle they want.

What our sub-prime finance product can do for your dealership

At First Response Finance, we have assisted our dealer partners with their sub-prime finance customers for over twenty years. We understand the challenges that both customers and dealers face in today's economic climate too. As the economy and cost-of-living crisis continue, motor finance lenders and banks are tightening their lending criteria, which means a larger number of customers will now need more assistance in getting approved for the car, bike, or van they want to finance.

Our sub-prime hire purchase product is a game-changer for car finance dealers, and by having First Response Finance on their panel of lenders, dealers can provide a lifeline to these customers who need financing for their next vehicle. We understand that access to a reliable sub-prime finance company is crucial, especially for dealers customers who are facing financial challenges. Our application process is smooth and straightforward, and we can offer flexible options that fit your individual customers' circumstances.

The award for the best sub-prime finance company serves as excellent recognition for our team. They show them that their hard work and dedication truly pay off, and this acknowledgment is equally valuable as the award itself. Our team wants to know that their efforts and commitment make a difference to the dealers we work with, so these awards mean the world to us.

At First Response, we place great emphasis on maintaining a human touch in our interactions, and I believe that's why we have built such strong relationships with our dealers over the years. This has contributed to our longevity as a business. When I visit dealers and brokers, which I regularly do, I consistently receive the same feedback, and I believe awards like these are a clear indication that we are indeed doing a good job. Jonathan Such, Head of Sales, First Response Finance

One of the fastest sub-prime finance companies

We know that in the motor trade, time and speed are key, and we don't want to keep you or your customers waiting. That's why we make it our mission to provide lightning-fast feedback on your sub-prime finance applications sent to us via our dealer portal. The dealer portal allows us to give you instant updates and decisions on the applications you send over to us.

But it's not just about being fast – we believe in keeping our dealer partners updated too. This is all made possible via our dealer portal, so they know what's happening with their customers' sub-prime finance applications. Transparency is key, and we want our dealers to feel confident and informed every step of the way.

Partner with us

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 button below fill out the form, and Brad from our team will be in touch to discuss how we can help you sell more cars on finance.

Partner with us

If you would prefer speaking to us directly, give us a call on 01156711755, and ask for Brad.

You may also like 

The FCA Consumer Duty
The Financial Conduct Authority has recently introduced the Consumer Duty. We discuss why everyone in the motor trade needs to pay attention.


Never forget what its like to be a customer
Looking at your dealership through the eyes of your customers, can mean repeat business, increased sales, and help you stand out.
Its good to talk
Finding out the best way to let your customers get in touch is not just a suggestion, it's a must and can make a huge difference in whether they buy from you or not.
Your dealership could benefit from conducting its own business energy audit to understand where you could save.