Skip to main content
Lender Details›First Response Finance Limited
Motor FinanceSpecialist motor finance — non-prime

First Response Finance Limited

Also known as: First Response Finance; First Response

First Response Finance is a UK motor finance provider specialising in hire purchase agreements for customers who may have difficulty obtaining finance elsewhere, including those with poor or limited credit history. The company works through a network of car dealers.

First Response Finance is a lender, not a broker. It provides HP agreements directly to customers who buy cars through its dealer network.

If you have a First Response Finance agreement and need to make a payment, get a settlement figure, or discuss your account, contact them directly. If you are struggling to afford your payments, contact First Response Finance early to discuss your options, and consider seeking free debt advice from StepChange or National Debtline before agreeing to any new arrangements.

If you have a complaint about how your finance was sold, or about affordability, you may be able to complain to First Response Finance directly and then escalate to the Financial Ombudsman Service if unresolved.

Quick summary

Company typeMotor Finance
Trading namesFirst Response Finance; First Response
FCA Firm Ref (FRN)Not verified — verify at register.fca.org.uk
FCA statusNot verified — verify current authorisation status at register
Companies House no.Not verified
Company statusNot verified
Parent companyNot verified
Official websitehttps://www.firstresponsefinance.co.uk ↗
Date last checked2026-07-06

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Why someone might search for First Response Finance Limited

HP or PCP agreement query
Settlement figure
Vehicle repossession concern
Commission complaint
Affordability concern
Arrears
Voluntary termination rights
Complaint

Before you contact First Response Finance Limited

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.
  • 7Check whether your agreement is HP, PCP, PCH or another product — your rights differ.
  • 8Request a copy of your agreement and a current statement of account.
  • 9Check whether the Financial Ombudsman Service has issued any guidance on your type of complaint.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?Is my agreement HP, PCP, PCH or another type of product?
  • ?What is my current settlement figure?
  • ?What happens if I am in arrears?
  • ?What are my voluntary termination rights under the Consumer Credit Act?
  • ?How do I make a complaint about how this finance was sold or about commission?
  • ?Who do I contact if I believe the vehicle is at risk of repossession?

Contact details

Websitehttps://www.firstresponsefinance.co.uk ↗
Phone0115 946 6317
EmailNot verified
Registered addressClenough House, Plumtree Court, Farnsfield, Newark, Nottinghamshire, NG22 8JE

Always use contact details from First Response Finance Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference NumberNot verified — verify at register.fca.org.uk
FCA statusNot verified — verify current authorisation status at register.fca.org.uk
FCA permissions (summary)Not verified
Companies House numberNot verified
Company statusNot verified
Parent companyNot verified
Check FCA Register ↗Check Companies House ↗

Useful official links

↗FCA Register — verify any firm↗Companies House — company records↗Financial Ombudsman Service — complaints↗MoneyHelper — free money guidance↗StepChange — free debt advice↗National Debtline — free debt advice↗Citizens Advice — free advice

What they do

Main products and services

Hire purchase motor finance; specialist finance for customers with poor or limited credit history

Trading names and group notes

Specialist non-prime motor lender. Works via dealer introductions. Verify all regulatory details at register.fca.org.uk and Companies House.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

4.6

Not verified reviews

Other review sources

Not verified

Overall public sentiment

Generally positive on Trustpilot. Customers note accessibility for non-prime applicants. Some complaints relate to interest rates, which are typically higher for specialist non-prime finance.

Review sources

https://uk.trustpilot.com/review/firstresponsefinance.co.uk ↗

Prepare a simple monthly budget before speaking to your provider

Use Ask Fin to organise your income and outgoings before contacting your motor finance provider. Understanding your full financial picture can help you have a clearer conversation. General guidance only — not regulated financial advice.

Start with Ask Fin — £4.99/month

General guidance only. Not regulated financial advice.

Related Ask Fin tools

My Monthly BudgetExplore →Financial Leak DetectorExplore →High Impact Debt ReductionExplore →

General guidance tools only. Not regulated advice.

Common questions about First Response Finance Limited

Is First Response Finance Limited a motor finance provider?+
First Response Finance Limited is listed in the Ask Fin directory as a Motor Finance company. Always verify their FCA registration at register.fca.org.uk before entering any agreement.
How do I get a settlement figure from First Response Finance Limited?+
Contact First Response Finance Limited directly to request a settlement figure for your agreement. You can also request a full statement of account. Keep a record of any settlement figure in writing.
What should I do if I cannot afford my car finance payments?+
Contact First Response Finance Limited as soon as possible. Lenders are required to treat customers in financial difficulty fairly. You may also want to get free debt advice from StepChange or National Debtline before contacting the lender. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
How do I complain about First Response Finance Limited?+
Start by using First Response Finance Limited's formal complaints process. If you are not satisfied, you may be able to refer your complaint to the Financial Ombudsman Service (financial-ombudsman.org.uk). There are time limits on making FOS complaints, so do not delay.
What is voluntary termination and does it apply to my agreement?+
Voluntary termination rights under the Consumer Credit Act 1974 may allow you to return a vehicle once you have paid 50% of the total amount payable, in certain HP and PCP agreements. The exact rights depend on your agreement. Citizens Advice or National Debtline can help you understand your specific situation.
I have a complaint about commission. What should I do?+
The Financial Ombudsman Service has been handling motor finance commission complaints. Ask Fin is not a claims management company and cannot handle complaints for you. For general information, see our motor finance complaints guide at askfin.co.uk/lender-details/motor-finance-complaints.
Where can I get free support?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

GuideMotor finance complaints — general guidanceRead →GuideDebt repayment strategiesRead →GuideFree debt help in the UKRead →GuideHow to complain to a lenderRead →

Sources and date checks

Source URLs used in preparing this record

https://register.fca.org.uk ↗https://find-and-update.company-information.service.gov.uk ↗https://www.firstresponsefinance.co.uk ↗

Date checked

2026-07-06

Next review due

Periodic review

Other Motor Finance companies

Black Horse Ltd

Black Horse Finance

View details →

MotoNovo Finance Limited

MotoNovo Finance; FirstRand Bank Ltd t/a MotoNovo Finance

View details →

Close Brothers Limited

Close Brothers Motor Finance

View details →

Santander Consumer (UK) plc

Santander Consumer Finance

View details →

Spot an error on this page?

If you notice a wrong phone number, outdated FCA status, changed name or broken link, you can report it. We aim to verify and update the record as soon as possible.

Report an issue with this page →
← Back to all lender details|Free debt help →