Why work with First Response Finance
Why UK motor dealers choose First Response Finance
For over 20 years, First Response Finance has helped car, motorbike, and van dealers across the UK grow their businesses. We provide faster approvals, instant pay-outs, and a finance partnership specialising in subprime and near-prime customers.
With decades of experience in specialist motor finance, we understand the challenges dealers face and focus on making finance simple and efficient, helping you approve more customers and sell more vehicles.
A finance partner, not just a lender
First Response Finance works with UK motor dealers as a long-term partner, not just a lender. We focus on helping dealerships grow sustainably by providing flexible finance options, reducing admin, and offering guidance on best practice.
Key ways we support dealers:
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Support customers mainstream lenders won’t consider
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Approve more customers responsibly and increase sales
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Reduce paperwork and admin for your team
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Instant pay-outs to improve cash flow and keep stock moving
Why dealers work with First Response Finance
Selling vehicles shouldn’t be slowed down by finance. First Response Finance helps UK motor dealers approve customers quickly, get paid instantly, and reduce admin, turning more enquiries into completed sales.
Fast decisions and reliable pay-outs
UK motor dealers can approve customers instantly at the point of sale, helping reduce lost sales and keep deals moving. As soon as documents are approved, pay-outs are instant via Faster Payments, so you can focus on selling, not waiting.
Dealer portal optimised for your workflow
Our portal isn’t just a tool, it’s your finance hub. Everything from submitting applications, tracking progress and eSign is centralised, saving time and reducing errors.
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Submit and manage finance applications
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Upload documents and track progress
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Edit vehicle details and pricing
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DVLA licence-share codes and digital e-sign agreements
Supporting real-world customers
We will consider your customers who have previous credit problems, helping you approve more customers and keep stock moving.
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Limited or thin credit histories
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Self-employed or recently employed
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Past credit challenges? No problem. Affordable finance options mean more customers get approved, and you keep stock moving.
Award-winning service
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Multiple-time winner of Sub-Prime Finance Provider of the Year
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25+ years experience in specialist motor finance
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Trusted by thousands of UK motor dealers for our reliability, expertise and speed
Who we partner with
We work with a wide range of UK motor dealers, from independent forecourts, franchises, to specialist bike and van dealerships.
Car dealers
Independent car dealer or small forecourt? We make it easier to approve more customers, sell more cars, and get paid faster – even when mainstream lenders say no.
Motorbike dealers
Motorbike dealers face seasonal fluctuations and unique affordability challenges. FRF’s tailored finance solutions help convert enquiries into sales while providing flexibility for both customers and dealers.
Van and LCV dealers
Flexible underwriting for dealers selling to sole traders, tradespeople, and small businesses. Our finance solutions help tradespeople secure vehicles while keeping your approval process simple and fast.
New dealerships and start-ups
We provide full guidance on FCA requirements, onboarding, and finance processes to ensure new dealers can confidently offer finance from day one.
Free customer leads for our dealer partners
When customers apply directly with First Response Finance, approved customers are introduced to our dealer network.
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Customer applies → Approved → Sent to dealer
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No cost, no contracts, no hidden rules
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Provides additional opportunities to increase sales and help grow your dealership
What dealers say about working with us
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“First Response Finance has always been our go to for a simple, quick, no stress deal." - Long Eaton Motorcycles
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"Their flexibility when funding a car has been incredibly valuable in getting deals over the line" - Snodhurst Car Sales
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“First Response Finance are absolutely brilliant, they'll cater for all different types of customers, and vehicles. Their systems brilliant as well, so easy to use, which makes our life loads easier and the customer as well.” – JJ Motors
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"Dealing with First Response Finance is easy, and they take the deal from start to finish, they'll hold the customer's hand, they'll even hold our hand to a certain extent, and make that process extremely easy, smooth, and stress-free." - Car Quay
Becoming a finance partner is straightforward
Step 1: Submit dealership details
Fill in our short form, letting us understand your business quickly without long paperwork.
Step 2: Eligibility check
We verify FCA permissions, stock type, and business details to ensure you can offer finance compliantly.
Step 3: Dealer portal setup
Our team walks you through the portal so you can manage applications, documents, and pay-outs confidently from day one.
Step 4: Start offering finance
Submit applications immediately, receive instant decisions, and enjoy fast pay-outs that keep your cash flow healthy.
Dealer resources & support
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Free point-of-sale materials: Promote finance availability at your dealership to attract more customers.
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Digital finance assets: Use online banners and images to advertise finance offers on your website and social media.
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Marketing support: Social media guidance and promotional strategies tailored for dealers.
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Training guides and dealer insights: Learn best practices to improve approvals and customer experience.
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Compliance-friendly customer explanations: Make finance easy to understand for buyers while remaining FCA-compliant.
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Articles, updates, and best-practice advice: Stay informed on industry trends and finance strategies with our blogs.
Dealer FAQs
Do I need to be FCA authorised?
Yes, our team can guide you if unsure.
How fast are pay-outs with First Response Finance?
Instantly via Faster Payments once all documents are approved.
Which customers do you support?
Subprime and near-prime customers who can afford the finance.
Is there a minimum stock requirement?
No, we work with dealerships of all sizes.
Do you support motorbike and van finance?
Yes, we support car, motorbike, and LCV dealers across the UK.
Ready to work with a finance partner that understands dealers?
Approve more customers. Sell more cars. Reduce admin. Get paid faster.