Car Finance in Ireland
Rates from 9.9% APR.
Representative APR 10.9%
Part of Evolution Funding, the UK’s largest motor finance and technology provider.
Rolling green hills, twisting coastal roads and a knack for spawning some of the best rally drivers in the world. Ireland is a country made for cars. But before you can cruise through County Clare explore the Ring of Kerry, you’ll need a set of wheels. And probably some car finance to make it happen.
This is where we come in. At My Car Credit, we’re here to help you secure the best deals on car finance in Ireland. Whether you’re looking for a zippy hatchback to get around Dublin or a sturdy SUV to tackle the unpredictable terrain of Donegal, we’ve got you covered.
Curious about what’s possible? Start with our car finance calculator or jump straight to the application page to put the pedal to the metal.
Finding the best car finance for drivers in Ireland
From major cities like Dublin, Limerick and Cork to characterful towns like Kinsale, Dingle and Westport, a car makes it easy to discover everything Ireland has to offer. Sure, the country has its fair share of supercar enthusiasts. Who doesn’t appreciate a gleaming McLaren or a sleek Lamborghini? But for the most part, Irish motorists favour cars with character and grit. The kind that can handle an unexpected B-road detour when the sat-nav leads you into the middle of a farmer’s field.
What’s the most popular way to get behind the wheel of cars like this? Car finance.
Your car finance options
Irish motorists have two main options when it comes to car finance in Ireland:
Personal contract purchase (PCP)
Low monthly payments are the big draw with PCP. At the end of your agreement, you have the choice to buy, swap or return the car. How does it work? The cost of your vehicle is into three chunks – a deposit, your monthly repayments and an optional final instalment called a balloon payment. PCP doesn’t necessarily end with ownership but it’s a great option if you’re someone who likes to keep up with the latest models.
Hire purchase (HP)
For the commitment lovers out there. With HP, you’re paying toward outright ownership. After the final payment, the car is 100% yours. HP is the most popular car finance in Ireland option, so if you choose it, you’re in good company.
Why My Car Credit?
Car finance doesn’t have to feel like deciphering a road sign written in Irish Gaelic. This is exactly where My Car Credit excels.
Our team of experts can’t claim to be fluent in Irish Gaelic but we are fluent in car finance. We’re here to match you with the best car finance deals in Ireland, tailored to your unique situation. Whether it’s finding the right plan for a first-time buyer or securing a deal that works with a less-than-perfect credit score, we’re on it.
Find car finance in Ireland for you
From rural roads to city streets, Ireland demands cars as versatile as its drivers. In our books, this means your car finance should be just as flexible. Here’s a closer look at how car finance in Ireland could work for you:
Dublin and Galway commuters
Narrow streets, tight parking and stop-start traffic call for compact cars with low emissions and excellent fuel efficiency. Think something nippy that can dodge buses and squeeze into spaces the size of a shoebox.
Rural explorers
For those in rural Ireland, where public transport is sparse and the nearest petrol station might involve a cross-county trek, reliability is king. SUVs and hybrids shine here, combining long-range efficiency with the ability to laugh in the face of muddy tracks.
Sustainability and the future
Ireland is making a big push toward greener roads. This includes grants from the Sustainable Energy Authority Ireland (SEAI) of up to €3,500 for new battery-powered electric vehicles (BEVs). Motor tax reductions and toll charge savings are available to EV drivers and there’s also been a big push to expand charging infrastructure across the country.
Hoping to finance a vehicle that’s future-friendly? My Car Credit can help you secure the keys to bestselling EVs like the Volkswagen ID.4, Tesla Model Y, Škoda Enyaq and Hyundai Ioniq.
How does My Car Credit work?
Car finance in Ireland doesn’t have to involve mountains of paperwork and awkward chats with bank managers.
Here’s how My Car Credit keeps things simple:
Get a quick estimate
Punch your numbers into our car finance calculator to get an idea of what you can afford. It’s fast, free and doesn’t leave a mark on your credit score.
Once you’re ready, fill out our straightforward application form.
We match you to a lender
We work with a panel of trusted lenders to find car finance in Ireland that fits your budget and circumstances.
Find your dream car
With finance secured, you can focus on the fun part – choosing your car.
Contact My Car Credit to explore your Ireland car finance opportunities
From Cork to Clifden, My Car Credit is here to help you find car finance in Ireland that makes sense. Whether you’re a first-time buyer, upgrading to something more modern or switching to something greener, we’ll help you secure a deal that works for you.
Why choose My Car Credit?
- Tailored options – We understand Ireland and its drivers are anything but one-size-fits-all. You’re not just a number, you’re an individual with unique motoring needs. At My Car Credit, our goal is to understand these needs and match you with the car finance deal that fits you best.
- Upgrade your vehicle – Options like PCP let you drive the latest makes and models, without a long-term commitment.
- Expert team – Our Ireland car finance gurus are on hand to guide you every step of the way.
- Great deals – Access competitive rates across Ireland and the UK.
- Options for less-than-perfect credit – At My Car Credit, we don’t just work with high street banks. We go beyond the “big four” and partner with alternative lenders to make sure we can secure matches for all our customers, even those with poor credit.
Ready to hit the road? Fill out our online form to get your application started for car finance in Ireland.
Contact My Car Credit to explore your Ireland car finance opportunities
From Cork to Clifden, My Car Credit is here to help you find car finance in Ireland that makes sense. Whether you’re a first-time buyer, upgrading to something more modern or switching to something greener, we’ll help you secure a deal that works for you.
Why choose My Car Credit?
- Tailored options – We understand Ireland and its drivers are anything but one-size-fits-all. You’re not just a number, you’re an individual with unique motoring needs. At My Car Credit, our goal is to understand these needs and match you with the car finance deal that fits you best.
- Upgrade your vehicle – Options like PCP let you drive the latest makes and models, without a long-term commitment.
- Expert team – Our Ireland car finance gurus are on hand to guide you every step of the way.
- Great deals – Access competitive rates across Ireland and the UK.
- Options for less-than-perfect credit – At My Car Credit, we don’t just work with high street banks. We go beyond the “big four” and partner with alternative lenders to make sure we can secure matches for all our customers, even those with poor credit.
Ready to hit the road? Fill out our online form to get your application started for car finance in Ireland.