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Review of the First Response Finance, Car Finance:

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4th finance agreement ! Says it all

Currently have 2 finance agreements running with FRF one for my car and the other my motorbike, this takes my total finance agreements with them up to 4 in the last 4/5 years. Everything is very clear throughout the borrowing process and being able to get early repayment options and settlement figures at the touch of a button is great. No fuss service, Ive been messed around with other finance providers in the past trying to change terms after you’ve already agreed your obligations and put a deposit down. However with FRF even though the APR is slightly higher than some it’s been very transparent with no hidden costs Reviewed on: 11th June 2025

Reply from First Response Finance We’re happy that we could help you! Response date: 17th June 2025

Review of the Zable, Credit card:

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Great emergency car and credit builder

For me Zable card is an emergency card as well as a credit builder, has good app features. The interest is one of the higher ones out there so it’s always a good idea to bear that in mind but it’s very easy to find all the information you need through the app Reviewed on: 29th May 2024

Review of the Vanquis, Credit builder credit card:

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2nd card in 10 years Fair and open CC lender

Used Vanquis before this is my second credit card with them over the years, they offer those with a not so great credit score the option to improve their credit however the interest rates are quite high and unless you’re only using the card to rebuild credit score and short term borrowing then it can be an unaffordable option, the app is really good at keeping an eye on everything and previous experience with customer service was really good when I wasn’t in such a good financial position as I am now Reviewed on: 3rd May 2024

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