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What is car finance?

Car finance enables individuals to purchase a vehicle without paying the full amount upfront. With car finance, the customer pays a deposit followed by monthly payments over an agreed term. It’s a great option if you want to own a car but don’t have the funds for an upfront payment.

How can you make sure you’re getting the best deal?

  • Research Car Finance Providers: Before applying for car finance, research different car finance providers. This will help you find the best deal. Compare the interest rates, terms, and conditions offered by each lender to determine which is the most suitable for you. Take into account the Annual Percentage Rate (APR), which represents the total cost of the loan, including interest, fees, and charges.
  • Go Directly to a Car Finance Lender: It’s better to go directly to a car finance lender than use a broker. Brokers charge a fee for their services and may not offer you the best deal. By applying directly to a lender, you can negotiate the terms and conditions of the loan directly with them.
  • Check Your Credit Score: Your credit score is an important factor that lenders consider when deciding whether to approve your loan application. Before applying for car finance, check your credit score and address any issues that may be affecting it. Improving your credit score can help you get a better deal on your car finance loan.
  • Know Your Budget: It’s important to know your budget before applying for car finance. Consider how much you can afford to pay in monthly payments and the total amount you are willing to spend on the car. This helps determine the amount needed to borrow and find a car finance deal that is suitable for your budget.
  • Shop Around: Make sure you shop around to find the best car finance deal. Negotiating the terms and conditions of the loan with different lenders can help you find the best deal. Make sure you compare the interest rates, terms, and conditions offered by each lender to find what is right for you.

Getting the best car finance deal in Ireland involves many factors. Researching different car finance providers, going directly to a lender, checking your credit score, knowing your budget, and shopping around are key. Following these tips can see you find the best car finance deal to purchase the car of your dreams.

Ready to finance your dream car?

If you’re looking for the best car finance deal in Ireland, look no further than LM Operations. Our experienced team takes a holistic approach to finance applications, believing individuals are more than just a credit score. This means that even if you have bad credit, we can still provide you with car finance. With competitive rates and an exceptional customer experience, you can be sure that you’re getting the best deal possible. Plus, when you apply with us, you’ll receive a full car finance quote within just 2 hours. So why wait? Apply for car finance with LM Operations today and take the first step towards owning the car of your dreams!

Representative Example

Borrowing €12,500 over 54 Months with a representative of 17.9% APR, an annual interest rate of 17.9% (fixed) and a deposit of €0.00, the amount payable would be 53 repayments of €327.52 per month, with one final repayment of €526.52 (which includes the option to purchase fee of €199.00), with a total cost of credit of €5,385.08 and a total amount payable of €17,885.08.

LM Operations Ltd are a lender, not a broker. This is for illustrative purposes only and is not a quote or an offer of finance.

Our finance rates vary depend on individual circumstances and is subject to status.