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Help Hub

Whether you’re an existing customer or new to Bluestone, our Help Hub is designed to get you the answers you need.

You can also easily access our fast, secure payment facility to make a payment on your motor loan.


New Customer FAQs

What is APR?

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.

What is HP?

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.

What is a PCP?

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 lump sum payment is made. You must stick to certain restrictions on usage and maintenance, such as mileage limits and servicing obligations.

How do I apply for finance?

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:

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.

Is the interest rate guaranteed?

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

Can I settle my Hire Purchase Agreement early?

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. Please also be advised that if you settle early there is an interest penalty applied.

What is the advantage of car finance over a bank personal loan?

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.

How old do I need to be to apply for finance?

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

Will you accept joint applications?

Yes, we accept joint applications.

Will you finance a car purchased privately?

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

What deposit might I need?

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

What proofs of identity, income and residential status might you require?

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 Irish Residence Permit – 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.

Existing Customer Documents

Financial Difficulties Booklet for SME Customers

Information booklet for SMEs experiencing financial difficulties.

Download PDF
Income and Expenditure Form

You may be asked to complete an I&E form to help us fully assess your financial situation.

Download PDF
Fees and Charges

This document provides a complete list of our fees and charges. Please note that some of the fees and charges listed may not apply to your loan.

Download PDF
Terms of Business

This document tells you about Bluestone – who we are, how we are regulated, and how you can contact us.

Download PDF
Consumer Financial Difficulties Booklet

A booklet providing information for consumers experiencing financial difficulties.

Download PDF
Complaints Charter

Bluestone is committed to providing the highest standard of service. However, there may come a time when our service does not meet your expectations. Our Complaints Charter walks you through our complaints process step by step.

Download PDF

SME Regulations


An increasing entrepreneurial spirit has seen the number of small companies in Ireland grow. While many have prospered, we all know only too well that unexpected events can create credit problems. Where these are behind a business and the business can evidence a return to profit, we aim to structure an appropriate finance arrangement.

We offer finance solutions, including competitive rates and an exceptional service, to consumers with an established credit history, Small and Medium Sized Enterprises (SMEs), self-employed people, customers who have an impaired credit history and customers with limited or no credit history.


Background to SME Regulations

The Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Lending to Small and Medium-sized Enterprises) Regulations 2015 (“SME Regulations”) specify certain conditions that apply to Central Bank regulated providers of credit to small and medium sized enterprises (“SMEs”) including the provision of pre-contract and post-sale information, the credit application process, credit refusals/withdrawals, handling complaints, and managing arrears and financial difficulties.

A copy of the SME Regulations can be found on the Central Bank website at Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Lending to Small and Medium-Sized Enterprises) Regulations 2015.

Our ”SME Regulations Lending to Small and Medium Enterprises” booklet is to explain the SME Regulations as they apply to Bluestone and to provide our SME customers with important information about our obligations under the SME Regulations.


Using ID-Pal

ID-Pal accelerates the car buying experience, allowing you to upload your Photo ID, address verification and payslips quickly and securely anytime, anywhere in minutes.

If you’d like more information on how to submit your identity documents using the ID-Pal app, check out our video guide below.


Existing Customer FAQs

How can I amend my payment date?

Simply call us on 01 644 8900 or email with your request, including your reference number.

How can I update my address?

Simply call us on 01 644 8900 or email with your request, including your reference number.

I need to advise that I have changed my name, what information do you require?

Simply call us on 01 644 8900 or email with your request, including your reference number.

What do I do if I cannot afford my current payments?

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

Can I voluntarily surrender my vehicle?

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

What do I do if I am not satisfied with the service I have received?

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.

Can I have a payment holiday?

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.

Can I provide consent so that another person can talk to you about my agreement?

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

I’ve heard that Bluestone Motor Finance has been acquired by Close Brothers, how will this impact me and my Hire Purchase Agreement?

Close Brothers Motor Finance has over a decade of experience in the Irish market, having helped over 130,000 customers finance vehicles.  Close Brothers Premium Finance has over 100,000 customers, helping individuals and businesses spread the cost of their insurance.  

In addition, Close Brothers also helps businesses finance assets across a range of industries with Close Brothers Asset Finance.  You can read more information about Close Brothers here: 

Can you tell me more about Close Brothers please?

Close Brothers is already a well-known and trusted brand in Ireland, with their premium finance arm of the business helping over 100,000 customers and businesses spread the cost of insurance products, in addition to helping businesses finance assets across a range of industries with Close Brothers Asset Finance. 

They are passionate about offering a stand-out level of service and by combining our expertise we hope to provide finance solutions to even more drivers across Ireland, whilst maintaining our high standards of service to our existing customers like you.

If you’d like to find out more about Close Brothers, please visit their website

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