New year, new car? Meet the local car finance company who won’t hit you with any hidden fees

First Response Finance’s unique Hire Purchase service is proving a winner for customers looking to get a used vehicle on finance.

Unlike most car finance companies, First Response Finance promise that customers won’t be hit with any additional fees. Customers will only pay for what they get, a factor many drivers will benefit from in the face of the cost-of-living crisis.

Samuel Brackenbury, Underwriting Systemic Improvement Specialist, said: “We pride ourselves on being totally different from competitors in a variety of ways, but our main unique selling point is that, with us, there are no fees.

“You only pay for the screen price of the car, along with any interest which is combined in the APR. We also make sure our customers are given a complete breakdown of the agreement before they commit to anything, so that they know exactly what needs to be paid back.”

The financial issues we’re currently facing as a nation have impacted so many people in different ways, and drivers have certainly taken their own hit. The price of petrol and diesel reached record highs in 2022, at a time when there’s also been price increases with car insurance, servicing, repairs, and company car tax.

Every little really does help in these harsh times. By choosing First Response Finance’s Hire Purchase service, you’ll pay fixed monthly (or weekly) payments over an agreed period. Once you’ve made the final payment in your contract, the vehicle legally becomes your own.

Samuel continued: “Nothing is more important to us than our customers. We’re constantly looking at ways we can better our service, especially in these tough times. We don’t charge option to purchase fees or documentation fees, and we walk our customers through the entire process from start to finish.

“Additionally, we aim to be as flexible as possible because we understand that no two drivers are in the same position. We encourage all drivers from all backgrounds to get in touch with us to see how we can help. Everyone should be able to benefit from our unique service.”

The benefits of using First Response Finance don’t stop there. Recently, understanding just how stressful this time of year can be, the company sent a £25 Tesco gift card to a range of customers who had taken out car, van, or motorbike finance with them in 2022.

“Thank you to First Response Finance for the gift card I received, much appreciated. You are by far the best company” and “Great company. I got an awesome Christmas card and gift card from them. Merry Christmas to all at First Response Finance” were just two of the comments left by grateful customers on the company’s Facebook page.

They also ran a £100 Tesco gift card giveaway on Facebook from December 1 to December 15.

You can use First Response Finance’s free online finance calculator to get an idea of how much you might pay for your vehicle, and visit to find out more about the business.