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Get your finance first

Buy from any dealer
or private seller ^***

Rates starting from 8.3% ^***

CarLoans4U

Car finance is a simple way to buy a car

It splits the cost into a number of monthly payments, so you can get behind the wheel faster and with a budget that suits your lifestyle – whether you’re buying your first wheels, a family run-around, or your dream car.

At CarLoans4u, we like to keep things simple. We’ll find the best deal for you, whether with one of the lenders we work with or simply finance the car ourselves.

Find out how much you could borrow with our car finance calculator and keep reading to discover more. Before you apply, consider what you can afford and factor in other things like servicing, fuel and other running costs.

See how much you could borrow

SET YOUR BUDGET

Sample hire purchase offer for a borrower with a good credit rating

Borrowing €6,500 over 4 years with a representative APR of 8.3% and a deposit of €0.00.

The amount payable would be: €158.68^* a month, with a total cost of credit of €1,116.64^* and a total amount payable of €7,616.64^*.

^{* Calculator is a guide to give a representative example only, it is not an offer from a lender.}

Our quick, easy and transparent process

1. Apply online

Tell us about yourself and how much you’re looking to borrow. You’ll get a quick decision and one of our Car Buying Experts will be in touch.

2. Pick your car

Whether you’ve found your car or want some help in the search, we run a vehicle and history check on anything you’re looking at.

3. Get on the road

Once the lender has done their final checks and you're happy to proceed, we’ll pay the dealer so all you need to do is pick up the car.

Why choose CL4U?

Get a lending decision within minutes

We can give you a quote or lending decision for a car loan quickly, so you know what car you’ll be able to afford.

Get the deal that’s right for you

Dealers usually offer a limited number of products. CarLoans4u compares multiple car finance products from our panel of lenders and throughout own lending.

Save time and avoid the hassle, we’ll do it all…

We can help you with the admin, paperwork and negotiations with the dealer. Give us a call for any support.

Everything you need to know

With car finance, you can pay for your new wheels in a variety of ways. There are a few options to choose from to suit your budget and your lifestyle.

How does it work?

With a car loan you’ll effectively borrow money from a lender to cover the initial costs of your car. You’ll then pay the lender back monthly for the money you borrowed, plus interest. You can use it for brand-new cars, old run-arounds and everything in between.

There are three types of car finance:

You can find out more on our car finance options page.

Am I eligible for a car loan?

Your eligibility depends on your credit rating. The better your credit rating, the more chance you’ll have of being accepted for a loan or securing a better deal.

It’s important to consider what you can afford and budget accordingly to factor in any monthly repayments and the costs of running your new vehicle.

If you have a lower credit rating, you may still be able to secure a deal, but it might include higher monthly repayments or interest rates. You can find out more in our bad credit car finance guide.

Is car finance right for you?

Car finance can be a great option for helping towards the cost of a new or used car. After all, cars can be expensive. However, whether a car loan is right for you will depend on your circumstances.

Advantages of car finance

Makes it easier to afford a new car by spreading the costs out over a set period.
If you have a good credit rating, you could secure a low interest rate.
Depending on what type of loan you choose, you could own your car right away.
Some deals include maintenance and repair costs as part of the package.
You can start driving a newer, safer, more efficient model than you might otherwise have been able to afford without finance.

Disadvantages of car finance

Depending on the type of loan you choose, you might only ‘lease’ your car from a lender.
The final cost of the car – including interest – will be more than paying upfront.
If you fail to meet your monthly payments, you could lose the car, leaving you without a vehicle but still owing money.
Some deals require large deposits.
Some agreements have limits, such as an annual mileage cap or being unable to make modifications.

Weigh up the pros and cons, and check the details of your lender’s offer, before agreeing to anything binding.

The positives and negatives of car finance will depend on what you need and your own circumstances, as well the type of loan you choose.

Find out more on how to apply below, or get started now. You can also talk to our team of experts on: +353-1-697 8648.

FAQs

Can I get car finance and buy my car from any dealer?

At CarLoans4u, once your finance is approved, you are free to choose a vehicle from any reputable dealership in Ireland. This means you have plenty of choice and gives you the freedom to find the perfect vehicle. If we don’t know the car dealer we can simply add them to our database, just get them to contact us. We do work with a large number of dealers also and you can search their stock here.

I have a part exchange, can I trade this in and still get car finance?

Once approved for finance the dealer that you are buying your new car from may take your old car as a trade in. This will lower the amount of finance you need on your new car.

How much can I borrow for car finance?

The credit limit is determined by the value of the vehicle you’re looking to finance.

How long can I borrow with car finance?

We have a host of products at our disposal and can fund vehicles for up to 5 years.

What documents do I need to get car finance?

Requirements vary but would include proof of address and earnings. The more documents you can provide the better your chances of being approved for finance.

How do I make my payments on my car finance?

Payments are managed for you via a direct debit payment scheme or by recurring debit card payment depending on the lender.

What if I’ve been refused elsewhere for car finance

If you have poor or bad credit, or you have been refused car finance elsewhere, the good news is that we may still be able to help. Click here for more details.

^{**9-5 Monday to Friday, follow up information may be required ***T&C's apply}

Get your finance first

Buy from any dealer
or private seller ^***

Rates starting from 8.3% ^***

CarLoans4U

Car finance is a simple way to buy a car

It splits the cost into a number of monthly payments, so you can get behind the wheel faster and with a budget that suits your lifestyle – whether you’re buying your first wheels, a family run-around, or your dream car.

Car Finance Options

Contact Us

Terms

Keep in touch

Get your finance first

Buy from any dealer or private seller ***

Rates starting from 8.3% ***

CarLoans4U

Car finance is a simple way to buy a car

It splits the cost into a number of monthly payments, so you can get behind the wheel faster and with a budget that suits your lifestyle – whether you’re buying your first wheels, a family run-around, or your dream car.

Buy from any dealer
or private seller ^***

Rates starting from 8.3% ^***