APR stands for Annual Percentage Rate. APR is the total cost of finance including interest rate and any other fees or charges that are included in the amount you pay annually on your loan or Hire Purchase Agreement.

A Hire Purchase (HP) Agreement is a credit agreement. With Hire Purchase you hire an item (a car, a laptop, a television) and pay an agreed amount in monthly payments. You do not own the item until you have made the final payment.

PCP stands for Personal Contract Purchase. This is a specific type of Hire Purchase Agreement offered by car dealers as a way to pay for a car. In a PCP contract, you pay a deposit and continue to make regular instalments, usually over 3 years. There is usually a large lump sum payment that has to be paid at the end of the contract.

You do not own the car until the final payment is made. You must stick to certain restrictions on usage and maintenance, such as mileage limits and servicing obligations.

We have partnered with Ireland’s leading online classified marketplaces, so that you can find and finance your next vehicle with ease.

Apply online today with:

• DoneDeal
• CarsIreland.ie
• Sweep

Alternatively, if you’d prefer to visit a local dealership, use our Find a Dealer tool to help you find trusted dealers in a location convenient to you.

Our interest rates are fixed and do not change throughout the life of the HP agreement.

Yes, you can settle your finance at any stage during the term of your Agreement. However, please refer to the Terms and Conditions outlined in your Agreement for further information.

There are pros and cons to both ways of financing the major financial commitment that buying a car entails. Car finance via HP with Bluestone Motor Finance has the advantage that we can offer financing to buyers who do not meet the credit criteria imposed by banks, in fact, we specialise in this.

21 with previous credit history or 25 with no previous credit history.

Yes, we accept joint applications.

This is not something that we can currently facilitate. Finance can only be arranged on vehicles sold by our registered motor dealer network.

Depending on your circumstances, credit history and chosen vehicle, our deposits range from 0% to 20%.

You will be asked to provide the following documents:

• Most recent consecutive payslips confirming net income.
• Please provide the last 2 payslips if paid monthly or last 3 if paid weekly or fortnightly.
• Proof of PPS number.
• Proof of permanent residency if born outside the EU- either EU Passport or GNIB card stamp 4.
• Proof of ID e.g. current Full EU Driving Licence or current Passport.
• Proof of Address dated within the last 3 months e.g. original utility bill bank statement or credit card statement.

Additional supporting documentation may be required.

We can only accept certain social welfare income when assessing affordability.

Simply call us on 01 644 8900 or email customer.service@bluestonemf.ie with your request, including your reference number.

Simply call us on 01 644 8900 or email customer.service@bluestonemf.ie with your request, including your reference number.

Simply call us on 01 644 8900 or email customer.service@bluestonemf.ie with your request, including your reference number.

Contact us on 01 644 8900 as soon as possible – We are here to help.

Yes you can, however you will need to call us on 01 644 8900 as soon as possible to discuss your circumstances.

While we pride ourselves on our customer service, if you are not satisfied, you are free to make a complaint either by:

1. Calling us on 01 644 8900 explaining that you wish to make a complaint. Our Customer Service agent will take note of all circumstances and refer your complaint to our Compliance team for investigation.
2. Writing to us at Bluestone Motor Finance (Ireland) DAC, Unit 18 Northwood House, Northwood Business Campus, Santry, Dublin 9. The complaint will be referred to our Compliance team for investigation.

Please find a download of our complaints charter here.

We consider requests for a payment holiday on a case-by-case basis. If you want to enquire about a payment holiday, please call us on 01 644 8900.

Yes, this is possible. Please call us on 01 644 8900 to provide details and create a secure password.