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First Response Finance reviews

First Response Finance logo
Rated Excellent • 4.95/5

First Response Finance reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business Last reviewed within 14 days
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Review summary

People rate this company as Excellent based on 6,928 product reviews

Average score of 4.95/5
5 star
97%
4 star
3%
3 star
0%
2 star
0%
1 star
0%
Reviews for First Response Finance have trended negatively 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.
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About First Response Finance

First Response Finance reviews on Smart Money People can help you get an idea of what using this company for your finance is really like. Founded in 1998, First Response Finance has won multiple awards, and has offices in Nottingham, Leigh and Glasgow, so read on to see what customers are saying. Used First Response in the past to help find your car finance? Add your own review to our community and you’ll be helping others.

First Response Finance at a glance

Contact details

Phone
0115 946 6260
Email
[email protected]
Social media

Reviews for First Response Finance

Showing 11 of 6928 company reviews • Last reviewed within 14 days

Avoid this company Never missed a payment!

Car Finance • 20th December 2025

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
Rated Terrible • 1/5
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Had such a great experience with them

Car Finance • 29th October 2025

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
Rated Excellent • 5/5
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Reply from First Response Finance
Thank you, we'll be sure to let our team know that you’re happy with their service!
12th November 2025
First Response Finance
  • 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
  • 5/5

    Excellent experience.

    Excellent experience. Simple and straightforward and also completed in a timely manner.

    {"display":"Donna C","full_name":"Donna C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    Donna C 19th July 2025
  • 5/5

    Best finance company I’ve ever used

    Best finance company I’ve ever used

    {"display":"Liam c","full_name":"Liam c","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    Liam c 18th July 2025
  • 5/5

    Seamless paperwork and process, couldn’t ask for it...

    Seamless paperwork and process, couldn’t ask for it to be any simpler

    {"display":"Gillon C","full_name":"Gillon C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car Finance
    Gillon C 17th July 2025

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