Frequently Asked Questions
Answers to some of our most frequently asked questions
We specialise in getting finance for first time borrowers and people with poor credit history. You can apply in our showrooms, over the phone or online through our website. The easiest way to apply is online through this website, and a member of our team will call you shortly afterwards. It normally takes about 2 hours to get a decision.
There is no paperwork required to apply, simply fill in the application form. If accepted for finance, you will need photo ID (driver’s license or passport only), a recent household bill/bank statement and your 3 most recent payslips. In certain circumstance, 3 months bank statements may also be required.
The interest rate depends on which lender accepts your application, it varies from bank to bank and is linked to your own loan history. We will try several different lenders, in order to get you the best deal.
Yes, full time or part-time are both accepted, however you must earn at least €1,600 per month (after tax has been deducted). You must be able to prove your earnings, either with payslips or bank statements.
At least 6 months, although they will make an exception if you are a highly skilled worker, e.g. a doctor.
Yes, we can take any car as a trade-in, including those cars with outstanding finance/hire purchase/PCP. We will settle your old loan as part of the new agreement. You must have made at least 6 successive monthly payments before you can change.
There is no deposit required to apply for finance. In some circumstance it is possible to borrow 100% of the value of the car. Some lenders will require a 15% deposit.
Yes, all our cars come fully serviced, safety checked and with a minimum guarantee of 3 months/3,000 kilometres warranty. There is the option to extend the warranty to 12 or 24 months for a small additional fee.
Yes, however you must also be working at least part-time. If your paid income is greater than your social welfare payments, you should qualify. If carer’s allowance or disability payments are your primary source of income, unfortunately you won’t qualify. Family Income Supplement (FIS) and Loan Parent Payment (LPP) will also be considered, as long as you are also working.
Yes, we can take any car as a trade-in. In order to get you the best deal, ideally you should call to our showrooms. If this is inconvenient, please take a few photographs of your car and email them to [email protected]. Alternatively you can send them via WhatsApp to 087-092 5525.
No, we can only arrange for cars that we ourselves have for sale. We cannot arrange finance for third parties.