Compare Car Finance in Ireland

Live offers across tracked providers in Ireland — updated daily from the Giraffy database.

Live offers

20 live offers compared from 20 providers, from 5.90% APR. Updated daily.

Audi Financial Services IE Audi Financial Services IE

5.90% APR

  • Representative APR: From 5.9% APR
  • Loan Term: 24–60 months
  • Max Loan Amount: €80,000
  • Key Feature: Guaranteed future value

Honda Finance Ireland Honda Finance Ireland

6.50% APR

  • Representative APR: From 6.5% APR
  • Loan Term: 12–60 months
  • Max Loan Amount: €45,000
  • Key Feature: PCP balloon option

Kia Finance Ireland Kia Finance Ireland

6.50% APR

  • Representative APR: From 6.5% APR
  • Loan Term: 12–60 months
  • Max Loan Amount: €50,000
  • Key Feature: Kia 7-year warranty

Mercedes-Benz Finance Mercedes-Benz Financial

6.90% APR

  • Representative APR: 6.9% APR PCP
  • Loan Term: 1–4 years
  • Max Loan Amount: €80,000
  • Key Feature: PCP balloon option

Renault Finance PCP Renault Financial Services

6.90% APR

  • Representative APR: 6.9% APR PCP
  • Loan Term: 2–4 years
  • Max Loan Amount: €50,000
  • Key Feature: 0% deposit deals
  • نوع التمويل: PCP

Volkswagen Financial Services PCP IE Volkswagen Financial Services IE

6.90% APR

  • Representative APR: 6.9% APR representative
  • Loan Term: 24–60 months
  • Max Loan Amount: €50,000
  • Key Feature: VW Group captive; PCP with optional balloon; available at VW/Audi/Skoda/SEAT dealers
  • نوع التمويل: PCP

Nissan Financial Services IE Nissan Financial Services IE

6.90% APR

  • Representative APR: From 6.9% APR
  • Loan Term: 12–60 months
  • Max Loan Amount: €50,000
  • Key Feature: Nissan dealer network

Skoda Financial Services IE Skoda Financial Services IE

6.90% APR

  • Representative APR: From 6.9% APR
  • Loan Term: 12–60 months
  • Max Loan Amount: €45,000
  • Key Feature: Skoda dealer network IE

Toyota Financial Services IE Toyota Financial Services IE

7.40% APR

  • Representative APR: 7.4% APR representative
  • Loan Term: 24–48 months
  • Max Loan Amount: €60,000
  • Key Feature: Toyota captive finance; PCP and HP; available at Toyota dealers

AIB Car Loan AIB Car Finance

7.50% APR

  • Representative APR: 7.5% APR
  • Loan Term: 1–7 years
  • Max Loan Amount: €45,000
  • Key Feature: No arrangement fee

Hyundai Finance PCP Hyundai Finance

7.50% APR

  • Representative APR: 7.5% APR PCP
  • Loan Term: 2–4 years
  • Max Loan Amount: €55,000
  • Key Feature: EV incentives
  • نوع التمويل: PCP

Ford Credit HP Ford Credit Ireland

7.90% APR

  • Representative APR: 7.9% APR HP
  • Loan Term: 1–5 years
  • Max Loan Amount: €60,000
  • Key Feature: Ford models only
  • نوع التمويل: HP

Finance Ireland Car Finance Ireland

7.90% APR

  • Representative APR: 7.9% APR
  • Loan Term: 1–5 years
  • Max Loan Amount: €50,000
  • Key Feature: Multi-brand

BMW Financial Services IE BMW Financial Services IE

7.90% APR

  • Representative APR: 7.9% APR representative
  • Loan Term: 24–48 months
  • Max Loan Amount: €100,000
  • Key Feature: BMW Group captive; PCP and Hire Purchase; BMW/MINI dealers

BOI Car Finance Bank of Ireland Car Finance

8% APR

  • Representative APR: 8.0% APR
  • Loan Term: 1–5 years
  • Max Loan Amount: €40,000
  • Key Feature: Fixed monthly payments

Credit Union Car Loan Credit Union

8.50% APR

  • Representative APR: 8.5% APR
  • Loan Term: 1–5 years
  • Max Loan Amount: €30,000
  • Key Feature: Member dividend

Avant Money Car Loan IE Avant Money

8.50% APR

  • Representative APR: 8.5% APR representative
  • Loan Term: 12–72 months
  • Max Loan Amount: €75,000
  • Key Feature: Spanish-backed; no dealer tie-in; personal loan for any car age

Carzone Finance Carzone Finance

8.90% APR

  • Representative APR: 8.9% APR
  • Loan Term: 1–5 years
  • Max Loan Amount: €35,000
  • Key Feature: Marketplace finance

PTSB Car Loan IE Permanent TSB

9.10% APR

  • Representative APR: 9.1% APR representative
  • Loan Term: 12–60 months
  • Max Loan Amount: €65,000
  • Key Feature: PTSB branch network; personal loan; new and used cars; no balloon

Pepper Car Loan Pepper Money

9.90% APR

  • Representative APR: 9.9% APR
  • Loan Term: 1–7 years
  • Max Loan Amount: €35,000
  • Key Feature: Adverse credit OK

What is car finance in Ireland?

Car finance spreads the cost of a vehicle over monthly payments rather than paying in full upfront. The main forms in Ireland are hire purchase, where you own the car after the final payment; personal contract plans (PCP), which offer lower monthly payments with a large optional final payment; and personal loans used to buy a car outright. Each suits different budgets and ownership plans.

How the Irish market works

Car finance is offered by banks, specialist lenders and manufacturer finance arms at the dealership. AIB and Bank of Ireland provide car loans and hire purchase, while manufacturer finance companies such as Ford Credit, Renault Financial Services, Hyundai Finance and Mercedes-Benz Financial offer PCP and hire purchase on their own brands. Finance Ireland and Pepper Money serve broader and specialist needs. Hire purchase and PCP are regulated consumer-credit agreements.

Benefits

Spread the cost — monthly payments make a car affordable without a large upfront outlay.

PCP flexibility — lower monthly payments with the option to buy, return or change the car at the end.

Ownership via HP — hire purchase leads to full ownership once the final payment is made.

Manufacturer deals — brand finance arms often offer low promotional rates on new models.

How to choose

Decide whether you want to own the car outright, in which case hire purchase or a personal loan suits, or prefer lower payments and flexibility through PCP. Compare the APR and total cost of credit, not just the monthly payment, and understand the optional final payment and mileage limits on PCP. Check the deposit required, and weigh manufacturer promotional rates against an independent car loan.

Leading providers in Ireland

AIB and Bank of Ireland offer car loans and hire purchase, while Ford Credit, Renault Financial Services, Hyundai Finance and Mercedes-Benz Financial provide PCP and hire purchase on their marques through dealers. Finance Ireland and Pepper Money offer motor finance across brands, including for used cars and specialist cases, giving buyers a range of ownership and payment structures.

What it costs

Advertised APRs typically range from around 5.9% to 9.9%, depending on the lender, the finance type, the term and your credit profile. Manufacturer PCP deals sometimes feature low headline rates offset by a large final payment. Always compare the total cost of credit over the full agreement, including the deposit and any optional final payment, rather than the monthly figure alone.

Protections and regulation

Hire purchase and PCP are consumer-credit agreements regulated by the Central Bank of Ireland, with additional consumer-hire and credit protections and oversight from the Competition and Consumer Protection Commission. Agreements must disclose the APR, total cost and your rights, including the half-rule for ending hire purchase early. The Financial Services and Pensions Ombudsman handles disputes.

Common questions

PCP or hire purchase? — PCP has lower monthly payments and end-of-term flexibility; hire purchase leads straight to ownership.

What is the final payment on PCP? — A large optional balloon payment to buy the car outright, or you return or trade it in.

Can I end the agreement early? — Hire purchase includes rights such as the half-rule; check the specific terms before signing.

Car Finance in Ireland — FAQ

What is the best car finance rate in Ireland right now?

Giraffy tracks 5 car finance products across Audi Financial Services IE,Honda Finance Ireland,Kia Finance Ireland,Mercedes-Benz Financial,Renault Financial Services lenders in Ireland. Compare by APR to find the most cost-effective way to finance your vehicle.

What is the difference between PCP, HP, and a personal loan for buying a car?

PCP (Personal Contract Purchase) has lower monthly payments but a large 'balloon payment' at the end to keep the car. HP (Hire Purchase) spreads the full cost in equal instalments — you own the car at the end. A personal loan gives you the cash to buy outright, often at a lower rate. PCP suits those who upgrade regularly; HP and loans suit those who want outright ownership.

What credit score do I need for car finance?

Most mainstream lenders require a fair to good credit score. Specialist lenders offer car finance to those with poor or limited credit history, but typically at higher APRs. Check your eligibility using a soft-search tool before applying to avoid unnecessary hard searches on your credit file.

Can I get car finance with bad credit?

Yes — specialist lenders offer car finance to borrowers with a poor credit history, but at higher interest rates. A larger deposit reduces risk for the lender and may secure you a better rate. Improving your credit score before applying is the most cost-effective long-term approach.

What is a balloon payment on a car finance deal?

A balloon payment (also called a Guaranteed Minimum Future Value / GMFV on PCP) is a large lump sum due at the end of the finance term if you want to keep the car. If you don't pay it, you return the vehicle. It's set based on the car's expected residual value at the end of the deal.

Is it cheaper to get car finance through a dealer or directly with a lender?

Dealer car finance is convenient but not always the cheapest — dealers often earn commission on the finance package. Comparing independent lenders via Giraffy before visiting a showroom gives you a benchmark rate. Arriving with pre-approved car finance puts you in a stronger negotiating position.

What happens if I want to settle a car finance deal early?

Early settlement typically involves paying the outstanding capital plus a settlement fee (usually 1–2 months' interest). On PCP and HP, you may also have the right to voluntarily terminate the agreement once you've paid 50% of the total amount payable — returning the car with no further obligation.