We offer fairer finance to more people
At Close Brothers Motor Finance, we take a fresh approach. If you’re over 21, we look at your personal circumstances and not just a credit score, to help you get behind the wheel, fast.
We offer competitive rates and great service to a wide range of customers, including those with strong, limited, or complex credit histories, self-employed people, and small and medium-sized businesses.
We also support customers who’ve had credit issues in the past. Our goal is to offer fair, flexible finance to more people.
- People with strong credit histories
- People with limited or complex credit histories
- Self-employed people
- Small and medium-sized businesses
Complex credit history
If you’ve been turned down for finance before, don’t worry - we don't believe in one-size-fits-all. We look at your personal situation and aim to offer a vehicle finance agreement to suit you.
Our team of experts review every application Individually. That means fairer, more transparent decisions for everyone.
Self-employed
More people are choosing to become self-employed but getting vehicle finance solution as a new start-up can still be tough.
We take a common-sense approach, which means we can support self-employed customers with just 12 months of trading history.
Small companies
Like the self-employed, more people are starting small businesses. Many are doing well, but we understand that unexpected events can lead to credit issues.
If your business can show a return to profit, we’ll work with you to try to find a vehicle finance solution that fits.
No track record
In recent years, many professionals have returned to Ireland after working abroad. Others have moved here to start a new chapter.
We’re happy to support qualified workers who may not yet have a credit history in Ireland by offering a range of finance solutions.
Established credit history
If you have a strong credit history, you could qualify for great terms like 0% deposit and up to 72 months to pay*.
Talk to your dealer or our underwriting team today, and we’ll help you find the finance solution that’s right for you.
*Terms and conditions apply.
Choose vehicle finance to buy your next car
Why vehicle finance might suit you better than a bank loan
- We treat you as an individual. We’ll work with you and your dealer to find a finance plan that fits your needs and the vehicle you want to buy.
- Our support team is based in Ireland and is ready to help if your situation changes. You can contact us via email customerservice.ie@closebrothers.com or call us on +353 (0) 1 644 8975
- If something goes wrong with your vehicle, we’ll work with you and your dealer to help sort it out.
- There's no waiting around - most finance decisions are made in about 30 minutes, so you could drive away the same day!
Tips on applying for finance
Most people need to borrow some or all the money when buying a car or a van.
Before you apply for finance, it’s important to think about what you can afford each month and check your credit status.
Here are some simple tips to help you get ready:
- Take time to understand your vehicle finance option
- Be realistic about your monthly budget
- Read all the paperwork carefully so you understand the terms and conditions
- Check lender reviews (like on Trustpilot and Google)
- Have documents ready, like proofs of address and income
- Be honest with the lender
- And if you don’t know, ask questions - trusted lenders like Close Brothers Motor Finance will always answer clearly
We offer a range of flexible finance options, so you can pay for your vehicle in monthly instalments that suit you.
Prepare carefully before applying for finance
- Gather proof of income, such as payslips and bank statements
- If you’ve moved to Ireland for work, have details of your residential status ready
- Make sure you have your recent bank statements on hand
Most importantly, talk to a lender like us early in the process – we’re here to help and guide you every step of the way.
Vehicles we can finance
Passenger cars
We can finance passenger cars up to 8 years old
Light Commercial Vehicles (LCV)
We can finance Light Commercial Vehicles up to 8 years old and 3.5 tonnes
Vehicles we can’t finance: Taxis and Performance vehicles