Car dealers

Specialists in sub-prime car finance for car finance dealers

couple buying a car with subprime credit

Many car finance dealers find their options limited when it comes to securing finance approvals for their sub-prime customers, but we’ve specialised in sub-prime car finance for over 20 years; financing cars for customers with a thin credit file or bad credit history, that may have been declined by other lenders.

Our flexible approach to underwriting means we can finance cars that other lenders won’t, and as a result, we’ve helped thousands of our dealer partners sell vehicles on finance to over 200,000 customers.

Our flexible car finance criteria

Whilst our flexible criteria helps us to lend responsibly, we’re flexible on things such as the age and mileage of the car, and the lengths of our agreements. We don’t have a vehicle age limit in our criteria, and we can finance petrol cars up to 120,000 miles and diesel up to 160,000 miles! This is because we understand the importance in getting an approval for finance on the car the customer wants to buy from you. Our underwriters review each application on its own merits, which gives us the ability and flexibility to approve complex deals that other lender’s may not even consider.

Fixed car finance criteria

Aged 18+
UK resident
Petrol maximum mileage: 120,000
Diesel maximum mileage: 160,000

Flexible car finance criteria

18 - 61 month terms
No deposit required
£2,000 - £15,000 lend
Provisional driving licenses considered

Faster payments

We pay our dealer partners via Faster Payments, which allows us to send funds on completed finance agreements within 15 minutes – after receiving all documents and proofs*. This also allows us to process your onsite customers who want to drive away the same day.

*97% of the time

Stay in control of your applications

Our dedicated Dealer Portal is available to all our dealer partners. This allows car finance dealers to propose customers, upload documents, eSign customers, get real time updates on the status of all pending applications, and get instant decisions and credit limits. We also have a chat system built into our Dealer Portal, so if you’ve got a query or have an update for us and don’t have time to call, you can drop us a message and a real person will reply to you with an update.

An award-winning service

an award winning sub prime finance company

We’ve been voted Car Dealer Magazine’s ’Sub-Prime Finance Provider of the Year’ eight times!
But it’s not just our dealer partners and car finance dealers who believe we have an award-winning service, our customers ratings and reviews contributed to us winning the Feefo Platinum Trusted Service Award for excellence in customer service! In September 2022, we were also recognised for the great service we provide to our customers and named ‘Best Car Finance Provider’ and ‘Firm of the Year’ in the Consumer Credit Awards.

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 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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