Getting setup with First Response Finance

The best car finance company for sub-prime finance

Partner with the best car finance company

The motor trade is always evolving, so choosing the right sub-prime finance company to work with that evolves with the times, can make all the difference to your dealerships bottom line. At First Response Finance, we are more than just a finance company, we are dedicated to helping you thrive in the motor trade and more importantly, help you sell more cars to more customers!

Who do we work with?

We work with thousands of car dealers, bike dealers, and van dealers across the entire UK, helping them sell more vehicles to a broader customer base. To date, we have helped finance over 200,000 vehicles to customers who are considered sub-prime.

Car finance dealers, Van finance dealers and motorbike finance dealers

Car finance dealers

Additionally, we collaborate with numerous car finance led dealers, van finance led dealers, and motorbike finance led dealers. We know how important response time, acceptances, and pay-out speed are for all dealers, including those who prioritise finance in their dealerships sales process.

Why should you get set up with First Response Finance?

With over two decades of specialising in the subprime used vehicle finance market, we understand the unique challenges dealers face when it comes to getting an approval for their sub-prime finance customers. Our flexible underwriting process allows us to approve deals that others may decline, which means you can sell more vehicles to more customers. 

Award-winning service

Being voted the 'Best Car Finance Dealers Provider' and 'Firm of the Year' at the Consumer Credit Awards 2022 is not just an accolade for us; it's a testament to our commitment to our ethos: People-Service-Profit. Our dealer partners believe that we are the best car finance company, and this has been recognised consistently by dealers in the motor trade, as we have been Voted 'Finance Provider of the Year (Sub-Prime)' in the Car Dealer Power Awards for the third consecutive year

Real people, real decisions

Unlike automated processes, we believe in the power of real people making real decisions. Our manual underwriters carefully assess each application, providing the flexibility to approve complex deals, that other lenders may decline or not want to consider. We know that every customer is different, and we tailor our approach to ensure both your dealership and the customer find the best solution.

Our Dealer Portal is easy to use

First Response Finance Dealer Portal

Our Dealer Portal is our dealer partners go-to for managing their finance applications, getting real-time updates, providing customers with quotes and our e-Sign facility. We also believe in the power of transparency, keeping you informed at every step of the application process. The Dealer Portal ensures that our car finance dealers have the tools they need for getting the deal done as quickly as possible, even if our office is closed!

More than just a finance company

First Response Finance is not just about finance; we believe that our dealer partners success is related to ours, if our dealer partners do well, then so do we. Our dedicated Dealer Account Managers are always just a phone call away, ready to support you with customer applications, and our Business Development managers who are out on the road, are always on hand to provide help, tips, and insights to help you with your dealerships marketing and sales. 

A dedicated dealer website

We launched our dealersite last year, and we update it frequently with valuable tips, guides, blogs, and the First Response Finance Dealer Portal, all in one place.  Make sure to bookmark the our dealersite so you can stay ahead of the curve.

What do our existing dealer partners say about us?

Snodhurst Car Sales

Check out our Dealer spotlight blog, where the Director of Snodhurst Car Sales, shares the history of his family-owned car dealership, and why he loves working with First Response Finance.

"Working with First Response Finance 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 even more important for car finance dealers, 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, Snodhurst Car Sales


First Response Finance has always been our go to for a simple, quick, no stress deal.

Their ability to support us with our sub-prime deals, from 50cc scooters to 1000cc sports bikes with the minimum of input our end, means we can concentrate on dealing with the customer. The team at First Response, are easy to use, and their industry knowledge makes it an easy decision for us.” Richard, – The Bike Shop Long Eaton 


How to get setup with First Response Finance

Becoming a dealer partner with the UK's 1 motor finance lender is simple, whether your a car finance dealer, van finance dealer or motorbike finance dealer. All you need to do is click on the 'Partner with us' button below that best describes your dealership, fill out the form, press submit, and wait for a member of our Onboarding team to confirm that your dealership has been setup on our system. As soon as we receive your interest in becoming a dealer, we will get in touch to discuss your setup.

What will we need from you?

  • FCA licence number
  • Authorisation categories - Credit Brokerage, 
  • Follow the FCA Consumer Duty
  • Doing the right things
  • Keep companies house records up to date
  • Photograph of your pitch / dealership

What do I need to do to get started?

To get the ball rolling, we will need your FCA information and dealerships bank details, so we can get your setup as quickly as possible, so it's crucial to have these to hand. We will run some internal checks and might need a quick chat on the phone to confirm everything. Once completed, your dealer account will be created on our system, and your login details for the dealer portal will be emailed over. Then, you'll be all set!

Can I get setup quickly with First Response Finance?

Yes you can, becoming a dealer partner with the UK's #1 motor finance lender* is simple, just ensure that you have all the information laid out above to hand, and the quicker you get it over to us, the quick we can setup you up to process your customers finance applications. To get started, click the relevant button below,  and a member of our Onboarding team will get in touch to get the ball rolling.

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