You are at the ideal lending place to access the most reliable deals on car loans in Ireland. Today, we provide you with a car loan that matches your financial requirements, monthly budget, and financial circumstances. Whether you want to purchase a brand-new vehicle or a used car for personal or business purposes does not matter. We can assist you in lending affordable vehicle financing without hefty paperwork or legwork.
At 24fundsflow, you can get a car loan through a quick 3-minute online application. Once we have your loan requirements, we instantly call you and assign an obligation-free quote. We ensure that you get your finance on your terms.
€1000 - €25000
36 Months - 84 Months
5.37% (based on affordability)
A car loan is the type of financing offered during a vehicle purchase. People use this opportunity when they cannot purchase a car with their money. During this situation, they tend to approach a loan provider to borrow the desired amount before submitting the down payment. Later, they have to repay the borrowed sum and the prescribed interest rates for the agreed loan term in monthly instalments.
As a dependable private lender in Ireland, we suggest you analyse a loan deal carefully. You can compare our loans with any other deal in Ireland. Knowing vital facts before shopping for car loans according to your finances is critical.
You can apply for car loans in a secured or unsecured way. When you sign a secured car loan agreement, the lender will take your car as the loan security. You have submitted it as the loan collateral, and thus the lender possesses the right to sell the car if you cannot make the repayments in the agreed term. You can also opt for no deposit car finance on this arrangement.
On the other hand, if you opt for an unsecured car loan option, you are free from this worry as no asset is needed to secure the amount. In this case, the risk increases for the lender. Therefore, this type of car loan has higher interest rates than secured loans.
Our company usually deals in unsecured loans, but at the same time, the interest rates are always competitive, which are also affordable to you.
You should not revise your decision to buy your dream car just because you lack enough funds. We have exclusive deals for you on car loans in Ireland. These are available with no issue of bad credit. Flexible repayments will help improve credit scores. Here are the loan benefits:
You get the most manageable rates with us on your car loan deal.
We do not charge anything in the form of upfront costs or ongoing fees.
We deal only online, and thus, you will have your loan on the same day.
You have a better chance of the lowest interest rates in Ireland if you purchase an electric vehicle.
You can choose the loan term or repayment option according to your financial situation.
Our quick and small loan application process suits everyone. One can apply from anywhere in Ireland.
You may have an easy deal on car finance with bad credit in Ireland. Still, you need to be careful in many aspects. 24funds Flow is there to help you with credible offers on bad credit car finance. We accept your loan application without any hassle, and the interest rates are competitive. However, we also expect some efforts from your end that may increase your chances of car loans with poor credit.
Keep an eye on the debt-to-income ratio: It is essential to your loan acceptance chances. If you have income but a higher debt-to-income ratio, you can only get a lower amount to borrow. Therefore, you should keep DTI lower than your monthly income.
Amount of car down payment: If you are applying for car loans with bad credit, try as much as possible to pay the higher down payment. It will decrease the lender’s risk as it has to offer only a small amount. In such conditions, we vouch for providing you with a car loan on more favourable terms.
Loan term: Most lenders prefer to offer small loans to those having less-than-perfect credit scores. They do not have to postpone lengthy to get back the allotted amount.
Your choice of an old or new car: The vehicle's age also greatly matters. However, you have loan approval chances on both new and used vehicles. Still, new cars have higher chances because of their better resale value.
Are you ready with your car loan planning? If yes, then submit your application now.
Describing how a car loan differs from car finance in Ireland is essential. Here is the fundamental difference between car loans and car finance.
Car Loans |
Car Finance |
|---|---|
| Applied from a Private Lender | Available from Car Dealers and Lender both |
| Unsecured or Secured | Mostly Secured |
| Flexible Interest Rates | Fixed Interest Rates |
| No Impact of poor credit scores | Usually, a good credit score required |
| Availability of Part-time Income | Approval only on Full-time Income |