We're Here to Help...
If you have a question that is not listed below or if the answer provided does not fully address your concern, simply give us a call on 071 9310137, where a member of our team will happily assist you.
What do I have to do?
Complete our online application form or call (071) 931 0137.
Vendor Finance work with multiple lenders to source finance options for you. Essentially, using the information you provide to us on your enquiry form, we match you with the lender that best suits your needs.
How much can I borrow?
Minimum of €5,000. No upper limit.
Each lender has their own credit policies in place, however, the minimum borrowing amount across them all is €5,000.
Do I need a deposit?
How long does it take to get a decision?
Depending on the lender used, a decision can be expected anywhere from 4 hours to 24 hours. Sometimes it takes a little longer than this and sometimes a decision can be returned more quickly.
Will my credit history be checked?
Yes – In assessing your finance application, our lenders will run a credit check through the Central Credit Register (CCR) and where applicable, the Irish Credit Bureau (ICB).
If I have a poor credit history can I get a loan?
Yes, quite possibly. We work with a number of lenders who will accept applications from customers with impaired credit histories. For more information, simply call us on (071) 931 0137 for further details.
Does the age of the car matter?
Yes! Generally speaking, older cars will have shorter loan terms and newer cars longer loan terms. Again, each lender has their own credit policy in place relating to this and we will advise you of your finance term & options once we have received your application.
Can I buy a car privately without using a dealer?
No. The Sales of Goods Act 1980 does not apply to private sales and as such, our lender partners do not offer finance terms for private car sales.
Do Vendor Finance charge me a fee?
No – Vendor Finance receive a commission directly from the lender for arranging the finance on their behalf.
Can I repay the loan early?
Yes – Each lender has different rules regarding early repayments and we are more than happy to discuss these with you before you draw down your finance.
Can I use any dealer?
Yes – We work with a large number of car dealers nationwide and will only submit your finance application to a lender that has your chosen car dealer on their dealer panel.
Are there any legal or compliance questions?
Yes – As an Authorised Credit Intermediary, Vendor Finance complies with all regulatory and Data Protection requirements including verification of your Identity and address. Please refer to our Privacy Notice and Terms of Business for more information on how we do this.
Should I use Vendor Finance?
Yes. Our many satisfied customers say that our award-winning, friendly service and expertise, combined with our flexible lending partners, saved them both time and money by finding the best finance option for them, without any fuss or stress.