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Lines open: 09.00am – 5.30pm Monday to Friday.

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WHO WE HELP

Helping Car and Van Buyers

Fairer finance for more people

At Bluestone, we’re open to looking at individual circumstances so that we can quickly get you behind the wheel of your new car or van, providing you are over the age of 21. Our fresh approach means that we are focussed on providing a personal, professional, non-credit-scoring method of securing your motor loan. We offer finance solutions, including competitive rates and an exceptional service to consumers with an established credit history, non-consumers, SMEs, self-employed, previous adverse credit customers and customers with little or no credit history.

Consumers with an established credit history and perfect track record
Consumers, including people with a complex or limited credit history
Self-employed people
Small and medium sized businesses

Financial solutions for a range of circumstances...

Complex Credit History

If you have been refused finance in the past, here at Bluestone, we do not take a one-size-fits-all approach and will look to offer you a tailored finance solution to suit your personal circumstances. Our team of experts review applications on an individual basis before making a decision, which we believe is much fairer and transparent for all applicants.

How do I apply?

Self-Employed

There has been an increasing number of people opting to become self-employed, but as a new startup it can still be difficult to access a motor loan. We adopt a commonsense approach that means we can help self-employed customers with just 12 months' trading history.

How do I apply?

Small Companies

As with self-employed people, an increasing entrepreneurial spirit has seen the number of small companies 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.

How do I apply?

No Track Record

Recent years have seen a number of professional people returning to Ireland after gaining experience abroad. It has also seen other professionals make Ireland their home. We can look to provide finance to qualified workers with no previous credit history in Ireland.

How do I apply?

Established Credit History

0% deposit and up to 72 month term available. Do you have a perfect track record? If so, we have an extremely competitive rate and terms available. Speak to your dealer or a member of our Underwriting team today and we'll provide you with the ideal finance solution. Terms and conditions apply.

How do I apply?

Tips on applying for finance

When it comes to financing a car or van, the majority of people do need to borrow some or all of the money to make their plans a reality.

Before applying for finance, it is important to consider what you can afford on a monthly basis and your credit status.

In all circumstances:

  • Take time to understand the car finance options available to you
  • Be realistic on your monthly budget
  • Read all the paperwork to understand the terms and conditions
  • Assess lender reviews such as those available on Trustpilot
  • Prepare any evidence that may be required such as proofs of address and income
  • Avoid multiple credit applications – it can weaken your credit rating
  • Be honest with the lender
  • And finally, if you don’t know, ask questions, reputable lenders like Bluestone will always seek to provide answers transparently!
How do I apply?

Helping People with a Complex or Limited Credit History

Building on our tips on applying for finance, we have put together some extra guidance for people who might find accessing finance more complex. We help people with this type of profile regularly, so, don't give up, we may be able to provide you with a finance approval for that car or van!

People who have never used credit previously
People who have moved to Ireland recently
People who have experienced life events that may have had an adverse impact on their finances

If you believe this type of profile matches you, then you should prepare carefully before applying for finance.

  • Gather income evidence, including payslips and bank statements
  • Ensure you have information on residential status if you have moved to Ireland for work
  • Pull together your recent bank statements

Above these, talk to a lender, such as Bluestone, early in the process for help and guidance – We’re here to help.

How do I apply?

Types of vehicle we can finance

Passenger cars

We can finance passenger cars up to 8 years old.

Light Commercial Vehicles

We can finance Light Commercial Vehicles up to 8 years old and 3.5 tonnes.

Please note: Unfortunately, at this time we can not provide finance on Taxis and Performance vehicles.

Call us

Lines open: 09.00am – 5.30pm Monday to Friday.

Calls may be recorded.

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