I'm on a debt management plan and find it very difficult to obtain finance. Unfortunately our car was written off in an accident, meaning we needed to buy a new vehicle. First Response came to our res... See more
Company replied
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Review summary
Based on reviews, created with AI
What people talk about most
Based on these reviews
Even with being messed around by one dealer so changed to another, First Response just took everything in their stride and even suggested a courser of action as a result that I didn't ask as I thoug... See more
Company replied
On efficiency , speed , ease of doing everything end to end is an easy 5 stars Interest rates are a little high for a HP purchase so would have marked to 4 but some other lenders did not help so o... See more
Company replied
Absolutely amazing company. Although I had an issue with a dealership they were absolutely great, got my money refunded very promptly with no charges etc. Every staff member I spoke to was brilliant,... See more
Company replied
Company details
Written by the company
Founded in 1998, First Response Finance is a leading vehicle finance company in the UK, with offices in Nottingham, Leigh, and Glasgow. With a strong team of over 300 employees, we believe everything starts with our own people, sharing the same values so we can deliver the best possible service to our customers. 💚 Here at First Response Finance, we offer Hire Purchase (HP) finance on three types of vehicles – cars, vans, and motorbikes – without charging our customers any extra fees. Putting customers at the heart of everything we do, our main purpose is to provide great credit solutions for non-prime customers, while creating an extremely positive and trust-based working environment. Our unique way of thinking and excellent customer service has helped us win “Sub-prime Finance Provider of the Year” five years running and has seen us rated as the UK’s number one motor finance lender on Review Centre.
Contact info
5 Regan Way, NG9 6RZ, Nottingham, United Kingdom
- 0115 946 6260
- sales@frfl.co.uk
- firstresponsefinance.co.uk
4.5
Excellent
1K reviews
Replied to 91% of negative reviews
Typically replies within 1 week
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See how their reviews and ratings are sourced, scored, and moderated.
Very happy to be a customer
Very happy to be a customer
Very happy with the agreement and vehicle
15 February 2026
Awful company & experience
Awful company & experience. Brought a car through them on 20th March. The car came with a mechanical fault which caused an accident and I am now left with £4300 worth of damage. First response paid for the mechanical fault but have refused to pay for the damage caused by the failure despite a report stating the fault 10 mins before the crash, my insurance company confirming it was a mechanical fault, 2 witnesses to the crash and a mechanics report stating the fault highly likely caused the accident.
Despite all the evidence they are still making us have to go through to the ombudsman leaving us with a damaged car for months for a case they can not possibly win.
Shocking
26 March 2026
Unprompted review
Reply from First Response Finance
Hi Ben,
Thank you for your review.
We are aware of this case and have carefully assessed the circumstances. While a clutch issue was identified and addressed, there is no evidence to support a causal link between this and the accident. We have issued our final response and clearly set out the next steps available should the customer remain dissatisfied.
Take care,
First Response Finance
It was quick and easy to arrange took…
It was quick and easy to arrange took less than an hour to be approved easy to follow instructions on signing
27 March 2026
Reply from First Response Finance
Thank you, we'll be sure to let our team know that you’re happy with their service! 💚
Really easy to use system and quick…
Really easy to use system and quick process.
Thanks
2 April 2026
Reply from First Response Finance
We’re happy that we could help you! 😊
Was so easy and smooth to apply for…
Was so easy and smooth to apply for finance for my car. Kept me informed through whole process. I'd highly recommend
31 March 2026
Reply from First Response Finance
That's great to hear, thank you! 💚
Absolutely amazing company
Absolutely amazing company. Although I had an issue with a dealership they were absolutely great, got my money refunded very promptly with no charges etc. Every staff member I spoke to was brilliant, very friendly professional and helpful. I would definitely reccomend this company and would use again.
7 April 2026
Unprompted review
Reply from First Response Finance
We’re happy that we could help you Amy! 😊
Great experience and customer service…
Great experience and customer service so far, good rate, at least i understand its about my credit report, Louis was a good underwriter also. i hope i have a long term good experience
7 April 2026
Reply from First Response Finance
Thank you, we'll be sure to let our team know that you’re happy with their service! 💚
A very good service,payment initiated…
A very good service,payment initiated on time
Very clear information
Good communication all round from the staff on telephone and email
No pressure
Very calm
I will recommend any day
Thank you
31 March 2026
Reply from First Response Finance
That's great to hear, thank you! 💚
Reply from First Response Finance
Thank you! 😊
Very helpful and supportive keeping me…
Very helpful and supportive keeping me right with first time finance
1 April 2026
Reply from First Response Finance
That's great to hear, thank you! 💚
Reply from First Response Finance
We’re happy that we could help you! 😊
Someone hit my car and it was hard work…
Someone hit my car and it was hard work to resolve it
The woman who took the details made me feel so victimised even had proof off incident that you didn’t receive till after a few attempts
10 September 2025
Reply from First Response Finance
Hi Daniel,
Thank you for sharing this feedback — we’re really sorry to hear about your experience. We never want any customer to feel that things are hard work or that support isn’t being provided when it’s needed most. That’s not the standard we aim for.
We’re unable to identify your agreement from the details in the review. If you need to get in touch with us directly either call or email us with your reference number, we’ll investigate what happened and work to put things right as quickly as possible.
Thank you again for raising this — we genuinely appreciate every customer who takes the time to help us improve.
Take care,
First Response Finance
Excellent service
Dorothy was very experienced and friendly. She guided me though the process explaining everything clearly.
28 March 2026
Reply from First Response Finance
Thank you for the five-star review! 💚
Focus ST3
Very helpful and made the whole getting a new motor a pleasant one! When calling the customer service and the whole process was easy and stress free would highly recommend these to anyone who has struggled to get finance on a new motor🙂
6 April 2026
Reply from First Response Finance
Thank you, we'll be sure to let our team know that you’re happy with their service! 💚
Reply from First Response Finance
That's great to hear, thank you! 💚
Reply from First Response Finance
Thank you! 😊
The process was good fast and…
The process was good fast and reliable. I recommend people to work with you because working with you was great and I will never regret working with you. Thank you.
6 April 2026
Reply from First Response Finance
Thank you, we’re happy that we could help you! 😊
Reply from First Response Finance
That's great to hear, thank you! 💚
Reply from First Response Finance
We’re happy that we could help you! 😊
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