First Response Finance www.firstresponsefinance.co.uk Review

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Guest's Review of First Response Finance www.firstresponsefinance.co.uk

25th Aug 2009

Overall Rating

5 stars
  • Value for money
    3 stars
  • Speed Of Loan
    5 stars
  • Payment Type
    Fixed Payments
  • Customer service
    5 stars

I went to First Response car finance as a direct result of reading reviews on here!

I sent them an application on saturday evening (after trading hours) so didn't expect to hear from them till monday. In my impatience I then called them on Monday morning to be told that I had been declined for the amount I had requested but they would refine the application and get back to me within an hour with a credit limit.

True to their word, 40mins later I got a text message from my rep with a credit limit of £4000 (which was enough to get the kind of car I wanted but would have to look carefully, I originally applied for 7500) and a condition that my deposit must be a minimum of £300.

So I went in search of a car and another rep called with names of all the dealers in my area that already have an association with first response. I found a car with a dealer that they didn't have an association with so my rep called the dealer this morning and arrange a sizeable discount on the advertised price (£500 off!) and have even allowed me to pay a smaller deposit than agreed too.

There were of course the regular proofs required, I have misplaced the paper part of my driving licence and regularly lose/throw away my bank statements, this was not a problem at all as I was able to send a downloaded copy of my online bank transaction history and gave permission to DVLA to speak to first response so they could confirm my licence details. All I need to do now is take a utility bill and my passport (proof of signature) to the dealer tomorrow and as soon as the dealer sends the documents all I have to do is call my rep and she will see to it that they are checked immediately and I can drive away without any fuss or hanging around.

All in all an excellent service, I could have collected the car today if it hadn't been for me being a little unwell, but I shall be collecting my new car tomorrow with payments within my budget and only 2.5 years to pay for it, I will definately be using first response when I am ready to replace this car!!!

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NameCredit RatingAPRTypical APRMin Loan AmountMax Loan AmountHome Owner  
Alliance & LeicesterGood8.00%8.00%£7,500.00£14,950.00No
Sainsbury's LoansGood8.00%8.00%£7,500.00£15,000.00No
Nationwide LoansBad7.90%7.90%£7,500.00£14,999.00No