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What is a Car Loan?

A car loan is an amount you borrow from a direct lender to buy a car. You cannot receive the title of the car unless you make the full and final payment. As the name suggests, such funding sources are exclusively for buying a vehicle.

If you are looking to buy a new car or upgrade a new model that fits your current needs, you can apply for a car loan in Ireland with CreditsFastCash, get quick approval in minutes and receive funds in your account. The maximum amount you can borrow to finance your car is €50,000 (depends upon the requirements).

How do car loans work?

If you have decided to buy a car and you know how much amount you need to borrow, you will fill out the application form online or send us a text message. The length of these loans may be between 5 and 7 years, and you will pay off in fixed instalments. Interest rates will vary from the size of the loan.

Whether you want to buy a used car or a new car, our financing options are available for both cases.

Used Car Financing New Car Financing
Deposit Size Nil 10%
Loan Term 5 years 7 years
Interest rates Fixed Fixed/Variable*
Extra payments Once a year Twice a year

*We provide both fixed rates and variable rates. For used car financing deals, we charge fixed interest rates. You will know exactly how much money you need to repay every month. For new car financing, it can be either fixed or variable rate depending on your needs.

Can I get a bad credit car loan in Ireland?

No lender will provide you with a car loan if you have an impaired credit standing, but CreditsFastCash Ireland understands that not always financial irresponsibility accounts for less-than-perfect credit rating. With no credit check policy, we have already a loan product specifically for poor credit borrowers.

A disappointing credit file is not a hurdle if you want to finance your desired car with us. Our bad credit car finance deals come with lower interest rates compared with other lenders’ deals in the market. Note that we do not allow prepayments in case of bad credit history whether you buy a used car or a new car.

Before you apply for car loans with bad credit, make sure that you have analysed your repayment capacity.

bad credit car loan in Ireland

I am unemployed. Can I take out a car loan?

You can take out car loans even if you do not have a full-time job. However, it does not mean that you do not need to have an income source. While you put in the loan application, we will look over your affordability. You will have to submit income proof from a part-time job or property etc.

Since the default risk is very high when you finance your car without a permanent income source, the deposit size will grow up to 20%. Guaranteed car financing for unemployed will require no deposit if you arrange a guarantor with a good credit rating.

Note that we will charge fixed interest rates whether you buy a used car or a new car. Since you will know the size of your instalment, it is easier to manage the loan.

Who can apply for our car loans?

You are eligible to take out our car loans if you meet the following criteria:

  • You are a permanent resident of Ireland.
  • You are not bankrupt.
  • Both employees and self-employed can borrow money.
  • You are looking to borrow at least €1,000.

Note that we give access to funds to both new and existing customers. The latter will get a 1% discount on the interest rate.

Why Choose CreditsFastCash’ Car Loans?

Following features of our car finance in Ireland make us stand out:

  • We offer competitive APRs.
  • We do not discourage prepayments.
  • We do not charge processing fees.
  • We accept applications from homeowners and tenants.
  • We provide special offers during the festive season

CreditsFastCash provides car loans at competitive interest rates. Apply for these loans today.

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