Car Loans

See your estimated borrowing amount instantly with the easy car loan calculator

How much?

How long for?

The rates and terms are assigned based on your financial profile and credit record, and only when your loan application is completely assessed.

Car Loans for the New and the Used Ones

Do you need a four-wheel vehicle as your family is about to grow? Have you decided which car model you will purchase? If yes, then go ahead. Wait! Are you finding it tough to match the on-road car price?

Indeed, this happens to almost everyone, especially when the car value estimate cost more than your income capacity. As your mind stops at a particular car model, you become desperate to buy it.

We are sitting here to guide and to offer you the bespoke car loan in Ireland. The interest rates and repayment terms are indeed within your reach because we follow such lending path where flexibility meets with feasibility.

Some vital loan features are:

We can finance both new and used cars;
We follow a 100% online loan application with minimum documentation is required;You can use the borrowed amount as the booking charge of the car or in adding more accessories after purchasing it;
Acceptance is given to any credit score whether good or bad; and
No upfront charges and no pre-payment charges are applicable.

Get the best and the cheapest car loan in Ireland to fulfil your dream without any obstacle.

Apply for a car loan now

Why is a car loan a smart way to upgrade your car?

Upgrading a car is not always about looks. Performance and comfort also matter. Besides, you might need a bigger car as your family is growing. Your requirements have changed, and you now need a smaller car.

A loan can fit your requirements and financial ability, letting you upgrade your car at any time. To search for the best car loans in 2026, you must keep these points in mind.

Lower repair bills

Older cars require more maintenance than brand-new cars. Get a new one with loans without paying anything upfront.

Enhance fuel efficiency

Modern cars are more advanced, offering improved efficiency. Use a loan to replace your old car with a new one without accepting a huge burden.

Space and comfort

A new car can be spacious and comfortable for travel. With a loan, you can get a new one now without waiting for your savings to grow.

Improved safety

You need enhanced safety features in your car, and this may burn a hole in your pocket. Utilise loans with competitive rates to buy one now.

Upgrade mileage

Check whether the mileage performance you want is available with the new car. Apply for a loan online anytime to buy the car you want.

What is a green car loan?

Green car loans in Ireland are financing designed to encourage the purchase of environmentally friendly cars, such as hybrids, electric, or low-emission models. By choosing these types of cars, you become eco-conscious and opt for more affordable driving. This is because the cost will be lower in the long run with this loan.

Some of the key features of these loans are:

This financing is obtainable for cars that fulfil particular environmental standards
You can pre-qualify and compare prices to get loans at affordable rates to get a car with lower carbon emissions
Borrowing an amount for a suitable duration according to the budget is possible
These loans contribute to safeguarding the environment by opting for green cars
Makes choosing sustainability easy and lets you save a lot of money on fuel

How Much Interest Do I Need To Pay on Car Loan?

When we say competitive interest rate, thus we mean that it will be according to your monthly income and its capacity to bear the regular instalment. One thing is for sure here that you will get the best car loan interest rates in Ireland.

As long as you convey us for the timely repayments, we do not hesitate to offer you the loan on reasonable rates. As our eligible borrower, you should know that we follow a flexible policy while deciding the cheapest car finance. Moreover, it will be decided on the following factors:

How much amount do you want to borrow?

; and

What is the current car value if it is the used one?

; or

How much are you earning monthly?

We take every decision only after having a discussion on these factors with you. However, you need to familiarise us with only genuine personal details and requirements. Get clarity on how the total cost and total repayable amount vary based on how much you choose to borrow and for how long, using the table below. This will help you in finding the best car finance deals in Ireland in 2026.

Loan amount	APR	Term	Total cost	Total repayment
€5000	6.75%	3 years	€537.33	€5537.33
€10000	6.75%	3 years	€1074.65	€11074.65
€20000	13.90%	5 years	€7859.73	€27859.73
€50000	13.90%	5 years	€19649.32	€69649.32

Representative example

€20000 loan over 60 months at APR rate i.e.13.90% will need you to cover total cost of €7859.73 and total repayment of €27859.73. The rate of interest and loan approval are subject to individual assessment.

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How Can I Secure Instant Approval on Car Loan?

Do you need a car loan in a hurry? Is no other lender giving you the instant car loan in Ireland? Do not worry, as we here to help in a tricky scenario. We work only online and thus, more capable enough to provide you with immediate financial assistance.

Tricks	Practical
Apply through Text	Unlock your Smartphone and send us a text message. We will quickly get back to you.
Submit Application Early in the Day	Don’t wait till 10 am. Instead, post your loan application at 7 am, as we can look up to your application early.
Do not look for the broker	We are the direct lender, and you can catch us easily on the search engines.

What MyCreditBucks Offers Unique in the Irish Marketplace?

Car loan selection need not be a difficult task any longer. At MyCreditbucks, we personalise car financing deals around your needs and budget. Finalise the right car for you, and we will help you choose the right financing in the following ways.

Straightforward approach

We have simplified the borrowing process with clear, quick steps. With the least paperwork and no confusion, you can proceed to fill out a simple online form to send your loan request.
Rates are competitive

You do not have to worry about fluctuating interest rates. It will remain constant throughout the loan term. Besides, you can prequalify and check rates beforehand to decide whether they are within your budget.
Flexible repayments

Loan payments can be easily managed because they are spread over a few months. You are free from the compulsion to repay the full amount in a single month. Planning can help you repay on time and in a structured way.
No hidden surprises

We understand your anxiety related to the cost. Transparency is the core of our lending approach. We will share the fee structure details with you so that you can review the rates. No hidden fees will be charged later in the name of maximising offerings.
Speedy decisions

We value time and know how urgently you may need funds. We will not keep you waiting in the name of processing a loan application. Our lending platform has been designed to work quickly and efficiently, delivering immediate results.

Get started with online application

Frequently Asked Questions

All your queries will have an answer from our financial experts.

What is a car loan?

A car loan is a specialised personal loan product used to buy new or used cars. The loans cover the vehicle’s price after deducting the deposit amount. The borrowed funds are repaid over a tenure of 1 to 7 years, with interest applied to the loan.

Is a car loan secured or unsecured?

Car loans can be secured or unsecured. Those with collateral are secured, and the vehicle you purchase serves as security. Collateral-free loans to buy a car are called unsecured loans. The latter ones have a higher interest rate

PCP Vs HP – which one is better for me?

With PCP offers, enjoy lower monthly payments with more flexibility to change cars whenever you want. However, you cannot become the ultimate owner as balloon payments might be required. With HP offers that are expensive, you can enjoy full ownership once loans are repaid.

How much can I borrow for a car?

You can borrow €50,000 or more based on two factors. Lender’s maximum loan amount limit and your credit purchase power are two important factors. To get a larger amount, you need a strong repayment ability. Also, the deposit amount, which is usually 5% to 10% of the total car’s value, affects the borrowing funds.

Am I eligible to apply for a car loan in Ireland?

If you fulfil the following eligibility conditions, you can apply for a car loan.

Minimum age requirement is 18 years
Regular provable income
Employment stability, whether employed or self-employed
Verified residential address.

What documents do I need to apply for a car loan?

Gather the following documents for six months to apply for the vehicle loan –

Identity proof (passport / national ID)
Address proof (rent agreement / utility bills)
Income proof (salary slips/bank statements)
Audited financial accounts (for self-employed)
Bank statements for overall financial insight

How do I apply for a car loan?

You can apply car loan online by following a simple application process.

Choose your car model
Apply for a loan amount as per its price (after deducting your deposit)
Get the approval decision
The car dealer receives the funds.
Start paying instalments

How do I send you my documents?

We process applications online, hence you can upload your documents digitally while applying for the loan. This takes a few minutes, and right after that, you get the approval decision. For any questions about the documents, contact our customer care team for support.

How soon will I receive the money?

It takes 24 to 48 hours to receive the money. The car loan process with a private lender is quick. The majority of the process is digital, which makes it speedy. But it also depends on how accurately you provide financial and personal details.

How do I repay my car loan?

A car loan is repaid digitally. After approval and sending you money, lenders activate the auto-debit features. On each scheduled date, a fixed instalment amount is deducted from your bank account. In the event of a missed or delayed payment, the penalty amount may also be deducted from your account.

Can I pay off my car loan early?

Yes, you can always pay off the car loan early. But some lenders charge a penalty for that, while some do not. MyCreditBucks has no early repayment policy. With us, you can easily plan to pay your loan before the tenure ends without spending extra euros.

Can you refinance a car loan in Ireland?

Yes, it is possible to refinance a loan for a car for its obvious purposes. Get your current loan replaced with a new loan at a lower interest rate, with affordable repayments and a new term. The primary objective is to make the loan more affordable.

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