Car finance in Northern Ireland

Car finance in Northern Ireland

We could help you finance a reliable car in Northern Ireland so you can get on with your daily life. We’ve helped thousands of customers up and down the UK, including in Northern Ireland (NI), get the car they need to get around.

How to get a car loan in Northern Ireland

Car finance is where you borrow money to cover the cost of your new car. You then repay the finance amount each month for the length of the agreement. Our agreements last between 36 and 60 months. 

We offer a Conditional Sale agreement, which means once you’ve made your final repayment, you’ll fully own the car.

To get car finance you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

We could help you finance a reliable car in Northern Ireland so you can get on with your daily life. We’ve helped thousands of customers up and down the UK, including in Northern Ireland (NI), get the car they need to get around.

How to get a car loan in Northern Ireland

Car finance is where you borrow money to cover the cost of your new car. You then repay the finance amount each month for the length of the agreement. Our agreements last between 36 and 60 months. 

We offer a Conditional Sale agreement, which means once you’ve made your final repayment, you’ll fully own the car.

To get car finance you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

Bad credit car finance in Northern Ireland

We understand that, just because you have bad credit, it doesn’t change the need for a reliable car to get around in NI. That’s why we’re proud to offer bad credit car finance. Even if you’ve been refused car finance by other lenders, or because you have a CCJ or IVA. We could help.

If you’re looking for car finance with bad credit in Northern Ireland and don’t know where to start, try our car finance calculator below.

If you’re ready, you can get a quote today. It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.

Used cars on finance in Belfast

Bad credit car finance in Northern Ireland

We understand that, just because you have bad credit, it doesn’t change the need for a reliable car to get around in NI. That’s why we’re proud to offer bad credit car finance. Even if you’ve been refused car finance by other lenders, or because you have a CCJ or IVA. We could help.

If you’re looking for car finance with bad credit in Northern Ireland and don’t know where to start, try our car finance calculator below.

If you’re ready, you can get a quote today. It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.

Used cars on finance in Belfast

We can provide finance for cars that meet our lending criteria.

When you’re looking for a car in Northern Ireland, make sure it meets our lending criteria:

  • Valued between £4,000-£35,000
  • Up to 120,000 miles on the clock
  • No more than 15 years old by the end of the agreement

Below are some examples of cars for sale in Northern Ireland that we could finance. They’re from reputable dealerships we trust.

If you still aren’t sure which car you’d like to finance, don’t worry. Our friendly experts will be able to help you search for the car you need.

We have over 30 years of experience helping people up and down the UK get the vehicle finance they need.

We use a soft credit check at the point of application, which doesn’t affect your credit score. Get a quote in less than 5 minutes today and let us help you onto a better road ahead.

We can provide finance for cars that meet our lending criteria.

When you’re looking for a car in Northern Ireland, make sure it meets our lending criteria:

  • Valued between £4,000-£35,000
  • Up to 120,000 miles on the clock
  • No more than 15 years old by the end of the agreement

To the right are some examples of cars for sale in Northern Ireland that we could finance. They’re from reputable dealerships we trust.

If you still aren’t sure which car you’d like to finance, don’t worry. Our friendly experts will be able to help you search for the car you need.

We have over 30 years of experience helping people up and down the UK get the vehicle finance they need.

We use a soft credit check at the point of application, which doesn’t affect your credit score. Get a quote in less than 5 minutes today and let us help you onto a better road ahead.

Car finance calculator NI

Summary

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 30.5% APR

Car finance calculator NI

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 30.5% APR

Can I get no deposit car finance in Northern Ireland?

It is possible to get car finance with no deposit, however it depends on your personal circumstances. These include credit score and affordability.

Some of our agreements may require a deposit, but our team would be happy to discuss your options.

We’ve also written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.

Can I get car finance on benefits in Northern Ireland?

A common misconception is that you can’t get car finance while claiming benefits. We understand that, just because you’re in receipt of benefits, it doesn’t change the need to get a reliable car.

We accept applications from those claiming benefits. Because it depends on the type of benefits you are receiving, please see our full guide to car finance on benefits. It explains the types of benefits we accept, and what your other options might be.

Car finance in Northern Ireland with no credit check

Another myth about car finance in Northern Ireland is that you can get car finance with no credit check. This doesn’t exist.

Think of it this way. Everyone is different. We all have different jobs, credit scores and other factors. Well, everyone’s eligibility for car finance is different too. A responsible lender will use a credit check to make sure finance is affordable for you.

The main difference is whether the lender uses a soft credit check or a hard credit check at the point of application. It’s important to know the difference. When you get a quote with us, we use a soft credit check which doesn’t affect your credit score.

Only once you’d like to start an agreement with us, and contracts are made for you to sign, do we use a hard credit check.

What to know about driving in NI

Just like in England, those in Northern Ireland drive on the left hand side of the road, but have to deal with a lot less traffic. The population in Northern Ireland is around 1.9 million (2019) whilst England has nearly 56 million people (2018), making the roads a lot less crowded in Northern Ireland and within the capital city of Belfast.

Belfast is still a city however, and therefore during rush hour periods the roads can become congested, but nothing comparable to London. Also, Belfast ranked top 10 in the UK for having the most parking spaces available, so you shouldn’t have many troubles getting a space.

With lots of one way streets and bus lanes, make sure to remain observant and follow your map when driving through Belfast. However, if you drive around the country, you’ll find some of the most beautiful drives along the coastlines and in the countryside.

Why apply for finance with Moneybarn?

As the UK’s leading lender of specialist car, van and motorbike finance, we help thousands of drivers every month move past their credit score. We aim to make financing a vehicle as simple and seamless as possible.

Our hard work has earned us many major industry awards over the years. Our most recent 2023 awards include ‘Vehicle Finance Provider of the Year’ at the MoneyAge National Credit Awards, ‘Subprime Lender of the Year’ and the Motor Finance Europe Awards, and highly commended for ‘Finance Provider of the Year (subprime)’ at the Car Dealer Magazine Power Awards.

Can I get no deposit car finance in Northern Ireland?

It is possible to get car finance with no deposit, however it depends on your personal circumstances. These include credit score and affordability.

Some of our agreements may require a deposit, but our team would be happy to discuss your options.

We’ve also written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.

Can I get car finance on benefits in Northern Ireland?

A common misconception is that you can’t get car finance while claiming benefits. We understand that, just because you’re in receipt of benefits, it doesn’t change the need to get a reliable car.

We accept applications from those claiming benefits. Because it depends on the type of benefits you are receiving, please see our full guide to car finance on benefits. It explains the types of benefits we accept, and what your other options might be.

Car finance in Northern Ireland with no credit check

Another myth about car finance in Northern Ireland is that you can get car finance with no credit check. This doesn’t exist.

Think of it this way. Everyone is different. We all have different jobs, credit scores and other factors. Well, everyone’s eligibility for car finance is different too. A responsible lender will use a credit check to make sure finance is affordable for you.

The main difference is whether the lender uses a soft credit check or a hard credit check at the point of application. It’s important to know the difference. When you get a quote with us, we use a soft credit check which doesn’t affect your credit score.

Only once you’d like to start an agreement with us, and contracts are made for you to sign, do we use a hard credit check.

What to know about driving in NI

Just like in England, those in Northern Ireland drive on the left hand side of the road, but have to deal with a lot less traffic. The population in Northern Ireland is around 1.9 million (2019) whilst England has nearly 56 million people (2018), making the roads a lot less crowded in Northern Ireland and within the capital city of Belfast.

Belfast is still a city however, and therefore during rush hour periods the roads can become congested, but nothing comparable to London. Also, Belfast ranked top 10 in the UK for having the most parking spaces available, so you shouldn’t have many troubles getting a space.

With lots of one way streets and bus lanes, make sure to remain observant and follow your map when driving through Belfast. However, if you drive around the country, you’ll find some of the most beautiful drives along the coastlines and in the countryside.

Why apply for finance with Moneybarn?

As the UK’s leading lender of specialist car, van and motorbike finance, we help thousands of drivers every month move past their credit score. We aim to make financing a vehicle as simple and seamless as possible.

Our hard work has earned us many major industry awards over the years. Our most recent 2023 awards include ‘Vehicle Finance Provider of the Year’ at the MoneyAge National Credit Awards, ‘Subprime Lender of the Year’ and the Motor Finance Europe Awards, and highly commended for ‘Finance Provider of the Year (subprime)’ at the Car Dealer Magazine Power Awards.

FAQs about Northern Ireland car finance

If you’re looking for a car loan in Northern Ireland, we could help. Even if you’ve been refused by other lenders in NI.

If you have a car in mind, then when you’re ready you can get a quote today.

If not, don’t worry! Our team can guide you through that process. We recommend trying our car finance calculator to see what your agreement might look like.

We have a list of reputable dealers that we work with. Some local dealerships you could use that have positive ratings include:

  • Charles Hurst Usedirect, Boucher Road, BT12 6LR
  • Donnelly Bros (Belfast) Ltd, Newtownabbey, BT36 4AA
  • MB Motors, Ballymena, BT42 4HG

Please note that you can apply for car finance in Northern Ireland from any reputable dealer, not just the above list.

If you don’t know whether the car or dealer fits our lending criteria, don’t worry. Our team can help guide you through the process.

When you get a quote with us, we use a soft search which does not affect your credit score. 

Other lenders might use a hard search at the point of application, so its important to understand the difference between a soft search and a hard search.

When you decide to proceed with the loan, a hard search will be done on your credit file which will affect your credit score.

The most popular car brand financed by our customers in Norther Ireland is Vauxhall. The second most popular is Audi, and the third most popular is Ford.

If you aren’t sure which car you’d like, don’t worry! We can help guide you through that process.

When you make an application, you’ll need to provide some personal details and information about you and your financial situation. If you wish to enter into an agreement then you would need to provide proof of identification (usually a drivers licence) and proof of income with 2 consecutive payslips.

Further documents might be needed as part of our affordability checks. If that is the case then our team will be able to guide you through that process.

FAQs about Northern Ireland car finance

If you’re looking for a car loan in Northern Ireland, we could help. Even if you’ve been refused by other lenders in NI.

If you have a car in mind, then when you’re ready you can get a quote today.

If not, don’t worry! Our team can guide you through that process. We recommend trying our car finance calculator to see what your agreement might look like.

We have a list of reputable dealers that we work with. Some local dealerships you could use that have positive ratings include:

  • Charles Hurst Usedirect, Boucher Road, BT12 6LR
  • Donnelly Bros (Belfast) Ltd, Newtownabbey, BT36 4AA
  • MB Motors, Ballymena, BT42 4HG

Please note that you can apply for car finance in Northern Ireland from any reputable dealer, not just the above list.

If you don’t know whether the car or dealer fits our lending criteria, don’t worry. Our team can help guide you through the process.

When you get a quote with us, we use a soft search which does not affect your credit score. 

Other lenders might use a hard search at the point of application, so its important to understand the difference between a soft search and a hard search.

When you decide to proceed with the loan, a hard search will be done on your credit file which will affect your credit score.

The most popular car brand financed by our customers in Norther Ireland is Vauxhall. The second most popular is Audi, and the third most popular is Ford.

If you aren’t sure which car you’d like, don’t worry! We can help guide you through that process.

When you make an application, you’ll need to provide some personal details and information about you and your financial situation. If you wish to enter into an agreement then you would need to provide proof of identification (usually a drivers licence) and proof of income with 2 consecutive payslips.

Further documents might be needed as part of our affordability checks. If that is the case then our team will be able to guide you through that process.

Bad credit? No problem.

If you’ve been suffering with a bad credit history, you’re in good hands. We understand that you still need a reliable car to get to around.

Car finance explained

Our guide explains how car finance works and the different types of car finance available, so you can make an informed decision.

Car finance on benefits

A common misconception is that, just because you’re on benefits, you can’t get the car on finance you need. Find out more in our guide.