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First Response Finance reviews

First Response Finance logo
Rated Excellent • 4.94/5

First Response Finance reviews

Verified business Consumer credit awards winner
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  • FCA approved and regulated
    FCA approved and regulated
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • On-line application and approval process
    On-line application and approval process
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website

Review summary

People rate this company as Excellent based on 6,931 product reviews

Average score of 4.94/5
5 star
97%
4 star
3%
3 star
0%
2 star
0%
1 star
0%
Reviews for First Response Finance have trended positively over the past 90 days

First Response makes car finance easy and stress-free with friendly, helpful staff who treat you like a person, not just a credit score. They’re quick to approve and keep you informed every step of the way. While the interest rates can be a bit high, their understanding approach and smooth process make it worth it for many.

Positive themes

  • First Response made car finance quick and easy with clear communication throughout.
  • The staff at First Response are friendly, helpful and treat you like a person.
  • First Response accepts poor credit and offers affordable finance tailored to you.

Negative themes

  • Interest rates with First Response can be higher than other lenders.
  • Customer service sometimes slow to reply to emails causing frustration.
  • Occasional delays or poor communication when finance applications are declined.
Summarised by AI
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About First Response Finance

First Response Finance is a car finance company in the UK.

With over 25 years’ experience, they’ve helped more than 300,000 customers get on the road. They’ve been voted ‘Best Car Finance Provider’ five years in a row, with customers valuing their online application process and friendly team.

First Response Finance offer loans for different vehicles including cars, motorbikes and vans.

First Response Finance at a glance

Contact details

Phone
0115 946 6368
Email
[email protected]
Social media

Reviews for First Response Finance

Showing 11 of 6931 company reviews

Poor Customer Service and Zero Support

Car finance • 5th March 2026

Very Poor Customer Service, Zero support This companies customer service is very poor, and their customer support is non existent. They continuly try to take... Very Poor Customer Service, Zero support This companies customer service is very poor, and their customer support is non existent. They continuly try to take monthly payments before the scheduled date, than when payments fails they chase you constantly with threats of repossession of your vehicle. If you ask them to change something i.e. pay date or spread the cost of any arrears they never do it, despite them sending emails to give options. The customer account page always states your payment is due each month ( suggesting your in arrears even though your agreed payment date is 31 of the month. The vehicle I purchased broke down costing me a large sum to repair, when I first signed up with FRF they approved my loan, so I put a deposit of £500 on a vehicle that I wanted purchase with the approved loan, a few days later FRF refused to use the dealer as they did not match their criteria, Dealer refused to give my £500 deposit back so out of pocket, I complained to FRF znd they did nothing, said not there problem. This is despite FRF never telling me or advising that they fo not use any dealer, although there website adverts and marketing at the time suggested differently (Find the vehicle you want from any dealer we will provide the finance). I do not recommend this company and will be making a complaint to the financial ombudsman regarding there actions and behaviour to me. Read more Read less

{"display":"Steve K","full_name":"Steve K","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews

The staff are really polite, welcoming helpful

Car finance • 20th February 2026

The staff are really polite, welcoming helpful

{"display":"Aiden wilox","full_name":"Aiden wilox","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
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  • 1/5

    Would not even give this place 1 star .

    Would not even give this place 1 star . Got a car on finance from tollbar motors from first response finance and had problems from... Would not even give this place 1 star . Got a car on finance from tollbar motors from first response finance and had problems from day 1 with the car .in the end i had to take car back after 5 months due to engine issues . Cancelled the finance and first response finance took £683.94 for milage i had done in the car but the car was found to be faulty from a specialist and in my opinion i should not have to pay anything due to none of this been my fault .. they egnore ur emails also . Stay well away Read more Read less

    {"display":"Tez","full_name":"Tez","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Tez 5th February 2026
  • 1/5

    Avoid this company Never missed a payment!

    Avoid this company Never missed a payment! Customer for over 10 years and this is the thanks I get. I’ve been sold multiple faulty cars... Avoid this company Never missed a payment! Customer for over 10 years and this is the thanks I get. I’ve been sold multiple faulty cars by First Response Finance. One was sold directly by them and was so dangerous that a reputable garage told me to return it immediately, calling it a death trap and unsafe to drive. Because I returned faulty and unsafe vehicles, they have now told me they will not finance me on ANY car, saying I’ve returned “too many” cars. That is their exact reasoning. I’m being punished for being sold broken and dangerous cars instead of them taking responsibility. After 10 years of loyalty, this is unacceptable. Posting this so people know exactly how this company treats customers when things go wrong. Read more Read less

    {"display":"Claire","full_name":"Claire","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Claire 20th December 2025
  • 5/5

    Had such a great experience with them

    Had such a great experience with first response they have helped me out so much in the year I have been with them

    {"display":"Phillip w","full_name":"Phillip w","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Phillip w 29th October 2025
  • 3/5

    Very good and recommendable and it’s very easy to us...

    Very good and recommendable and it’s very easy to use , very fast and reliable

    {"display":"SUCCESS K","full_name":"SUCCESS K","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    SUCCESS K 28th September 2025
  • 5/5

    BaCk On ThE rOaD

    Being on a Debt plan, it was very stressful trying to obtain finance but thanks to First Response, I was delighted to be back on the road.

    {"display":"Lee","full_name":"Lee","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Lee 23rd July 2025
  • 5/5

    Good customer service all round really.

    Good customer service all round really. Would definitely recommend to anyone wanting to buy there first car.

    {"display":"Jamie A","full_name":"Jamie A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Jamie A 22nd July 2025
  • 5/5

    They was very straight forward and it changed my lif...

    They was very straight forward and it changed my life I was able to have a car when my credit score is broke. So thankyou very much.

    {"display":"Hannah L","full_name":"Hannah L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Hannah L 21st July 2025
  • 5/5

    Very good finance company very quickly and the staf...

    Very good finance company very quickly and the staff its amazing

    {"display":"Frederico Rodrigues ","full_name":"Frederico Rodrigues ","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1244875.png"}}'s avatar
  • 5/5

    Was easy to set up and no stress attached, this was...

    Was easy to set up and no stress attached, this was my first car and everything went smoothly with First Response Finance.

    {"display":"Erin N","full_name":"Erin N","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Erin N 20th July 2025

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