Car finance in Northern Ireland

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The idea of driving away in your dream car might seem like just that – a dream – but getting your hands on the right car finance can be a real gamechanger, and this is where we could help.

Getting car finance in Northern Ireland

If you are keen to find out more about car finance in Northern Ireland, then get in touch with Car Genie today, and let us help you secure the perfect deal.

Below, we have set out the four steps involved in obtaining a car finance deal through us.

How do we work?

Our car finance process has four simple stages to help ensure you are driving away in your dream car in almost no time.

  1. Apply for car finance

You’ll need to provide some basic details when applying for car finance. These include your name, address, date of birth, contact number, and email address.

Before making your application, make sure that you have all the information and documentation you require, including proof of income and savings, a copy of your current credit file, and a recent utility bill showing your home address.

  1. Get a Decision

Once you’ve provided the required information, you will need to be approved – and we could help. Our experienced team of brokers will scour the lenders on the panel to ensure you find the perfect match for your financial situation and needs.

  1. Choose your new car

After being approved, you will be able to choose from a range of vehicles. Here at Car Finance Genie, we have access to a huge range of cars of all types, sizes, makes and models to ensure you find the perfect vehicle.

  1. Drive away

Finally, once you’ve chosen your dream car, you’ll need to sign the paperwork, and can then collect the keys, and drive away into the sunset!

Make us your first choice for car finance in Northern Ireland

Our team has a wealth of experience to help ensure you have access to finance that works for you, as well as a great range of cars.

Frequently asked questions

Getting your head around car finance doesn’t have to be overwhelming – we have put together the answers to the most common questions that you may have.

What is car finance?

When it comes to buying a new car, there are two main types of finance available: hire purchase and personal contract purchase (PCP) deals. With both options, you will pay off the full amount of the car over a set period of time, usually between three and five years.

What is hire purchase (HP)?

Hire purchase is one of the most popular ways to buy a car because it offers great value for money. You make monthly repayments towards the total cost of the vehicle over a predetermined period of time, which will be outlined in the contract. At the end of this period, the car will be yours.

What is a personal contract purchase (PCP) agreement?

A personal contract purchase deal is similar to a hire purchase agreement, in that you pay an agreed sum each month to the finance company. There is, though, a key difference: at the end of the contract, if you wish to make the car yours, you will need to pay a final ‘balloon’ payment. Otherwise, you will have the option of returning the vehicle or exchanging it for another car.

How do I choose a new car?

Here at Car Finance Genie, we have access to a host of dealers to help ensure we can match you to your dream car in no time.

Some of the main considerations in your decision will be the budget you have available, the size of the car you need, any additional desired features, your insurance costs, and your lifestyle. We will work tirelessly to ensure you find the perfect vehicle – and the finance needed to drive and/or purchase it.

Do I need a good credit rating?

Here at Car Finance Genie, we pride ourselves on matching customers to a finance plan that really works for them – and this includes those with less-than-sparkling credit ratings.

While there can be no guarantees, we promise to do everything in our power to ensure you can access the credit you need.

Your next car could be a few clicks away!

So, what are you waiting for? All that you need to do is fill in the application form on our website, or give us a call for your free, no-obligation quote.

We will take care of the rest, and you can rest assured that you will be in safe hands as you complete the process, find your perfect car, and drive away in almost no time. There’s simply no need to look anywhere else for car finance in Northern Ireland.