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Leading the fight for fairer car finance

Car Finance First is a motor finance broker on a mission to level the playing field, helping customers secure a loan for their next new car. We partner with a panel of trusted lenders to get you the best deal possible, even if you have a low credit score or are refused elsewhere.
We created Car Finance First to change the way you finance your car. Founders Alex and Will Hurst are brothers with decades of experience in the motor trade, motor finance and financial technology industries.

Alex and Will are using their experience and expertise to build a fairer platform for car finance. Technology is integral to our business, and we always seek to innovate and improve, adopting leading fintech and providing excellent customer service.

Alex Hurst
Alex has over 25 years experience in the motor trade, coming from a sales background and progressing an integral part in the success of the UK’s largest vehicle finance broker and largest growing lenders. During which, the business’ grew from 4 to 400 employees, achieved an operating profit of £25 million and became a household name.
Will Hurst
Will has led the commercial and sales divisions for businesses at the vanguard of digital disruption in the consumer and SME finance technology space for over a decade. Continuously driving to provide more positive outcomes for customers through the use of technology and transformational change, Will has helped drive the significant growth and facilitate investment in for those he has worked with to date.

We launched in 2021, with headquarters in Stoke and satellite offices in Manchester and Bristol. Contact us today to see how Car Finance First can help you on the road to securing your next new car.

But what about the personal touch? Don’t worry; our tight-knit team of car finance specialists are here to help with any enquiries, so you never need to worry about dealing with automated systems and colossal call centres.

Questions we get asked a lot...

  • Will applying for finance affect my credit score?
    Good news; it doesn’t. As part of the application process, we perform a soft credit check to ensure we can get an approval from one of our lenders. Your credit report may be updated to reflect this, but your score will remain unaffected. A hard credit check is only done once you lock in a finance option.
  • Am I eligible for a car loan?
    If you’re over 18 years old and have a minimum of three years’ address history in the UK, you can apply for a car loan with Car Finance First.
  • How long does it take to get a car loan?
    Receiving a decision takes less time than you think. Once you hit send on your application, we’ll do the rest and offer results within minutes. We’ll then assign you an account manager who will phone to double-check your details and explain the next steps.
  • How much will my car finance cost?
    The total cost of financing your car is determined by how much money you borrow, plus interest and any other charges you’ll pay over the course of your loan repayment period. Hire purchase repayments generally include a portion of your loan and interest payment. The interest rate is influenced by several factors, like your credit score. Increasing your credit score can help you access more favourable rates.
  • I’ve been refused elsewhere; will my application be considered?
    Being refused by other lenders doesn’t automatically exclude you from applying, and we do our best to help customers who have previously been unsuccessful. It can be disheartening but loan or finance refusal doesn’t have to be the end of your search. Some of our lenders specialise in arranging car finance for people with bad credit.
  • Am I limited to certain car dealerships?
    Our only requirements are that your new car is sold at a reputable dealership based in the UK.
Still got questions about car finance?