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
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
I have some health problems which have suddenly caused me to require medical time off work, at greatly reduced pay. I spoke with Max at First Response who was calm, kind and extremely informative pf... See more
Company replied
Bought a car in September and had massive problems with the turbo, timing chain and the DPF. Dealer I bought it from ignored all my calls, emails and basically scammed me. First response could not of... See more
Company replied
Company details
- #58 of 63 best companies in Car finance and loan company
- #131 of 166 best companies in Non-bank financial service
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
4.4
Excellent
1K reviews
Replied to 90% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
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! 😊
Reply from First Response Finance
That's great to hear, thank you! 💚
They Did It Again
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 thought they would say don't be silly. I honestly can't say anything bad about the simple fluid way that they use.
I highly recommend First Response if you don't have a billionaire's credit score, they are friendly, polite and don't use the BS that some companies use trying to impress you.
5 Star recommended, can't say better than that.
30 March 2026
Reply from First Response Finance
Thank you Ron! We hope you're happy with your new vehicle. 💚
I was very happy with your decision and…
I was very happy with your decision and was able to get the the car I wanted 🤟
28 March 2026
Reply from First Response Finance
That's great to hear, thank you! 💚
Reply from First Response Finance
Thank you, we'll be sure to let our team know that you’re happy with their service! 💚
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