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How best to deal with automobile finance in negative?

I have a automobile that is worth €8,000 and the finance outstanding is €11,000 so if I buy a automobile with a trade in bonus it narrows the gap in clearing my loan. Toyota's deal comes to mind here. Apart from finding the difference myself is there any option open to me?

Thanking you.

Filed under finance - Asked by Gerard Power (Kilrush,Co.Clare.) - Fri, 09 Nov 2018 20:19

Which automobile finance route to go, please?


I would like to buy a automobile I'm used to second hand automobiles as I have a very limited budget. I'm still confused about the PCP option, scrappage trade ins and hire purchase. My normal route is to get a loan from my credit union, but the older my automobile is the more I end up paying for repairs. Could you help me in finding my best option because I'm a bit lost with it all?

Thank you


Filed under finance - Asked by Anita O' Brien (Cork) - Wed, 08 Aug 2018 12:13

Buying a automobile with finance owed...

I have looked at a great second hand automobile being sold privately; however, automobile history reports show that there is outstanding finance on the automobile. The owner has told me that the finance was cleared this morning, but that it could take the bank two weeks to finalise and close the account. Is there any way that the current owner can get his bank to prove to me that the loan has been cleared and that it is ok for the automobile to be sold to me?

Filed under finance - Asked by Neil O'Callaghan (Dublin) - Tue, 18 Dec 2012 17:01

I have cash, how will I buy a automobile?

What is the best option when buying a automobile. I have cash so don't need a financing arrangement

1. Buy a new automobile outright with cash and trade it in every year?

2. Buy a second hand automobile?

3. Put a large deposit down on a automobile and get into a financing arrangement on a new automobile?

Filed under finance - Asked by Lee Russell (Dublin) - Sat, 17 Mar 2018 10:50

Should I worry about outstanding finance?

I am purchasing a used automobile imported from the UK by a dealer in Dublin who appears to specialise in this type of automobile sales. I have paid a small deposit to the dealer but have discovered via a Automobiletell.ie check that the vehicle has outstanding finance of a type called 'Unit Stocking' from a UK finance company. Interestingly the start date is shown as 01/02/2018 with a term of six months. I was told there was no finance outstanding on the automobile and the vendors appear to be respectable and trustworthy.

What steps should I take to protect my interests prior to completing the purchase?

GH, Tullamore

Filed under finance - Asked by Gabriel Hannon (Tullamore) - Sun, 18 Feb 2018 21:22

Can you do HP finance with a baloon payment?

Hi there, is there any finance company offering HP with a balloon payment? Don't want PCP.

Filed under finance - Asked by Mala Gee (Dublin) - Fri, 19 Jan 2018 20:20

Who wins or loses in a PCP contract?

In a PCP contract, who gains or loses if the end of contract value of the automobile is less than the GMFV?

Filed under finance - Asked by FRANK DODD (DUBLIN) - Tue, 26 Dec 2017 16:41

Best new automobile finance deal around?

What's the best new automobile finance deal around at the moment?

Filed under finance - Asked by Dermot Kelly ([email protected]) - Sun, 16 Jun 2013 22:54

What new automobile deals are coming for 181?

Any ideas of what kind of automobile deals will be coming for the 181 buying season? Expecting good deals due to poor sales or are we in for high PCP rates all around?

Filed under finance - Asked by John O'Connor - Wed, 30 Aug 2017 16:10

Should I sell my automobile on finance?

Is it best to sell a 2012 automobile where I pay a monthly EMI of €361, still outstanding is 34 months, The automobile is being used only on weekends. I want to buy a second hand one instead of it with budget around €6,000.

Filed under finance - Asked by Vamshi Kaniganti (Dublin) - Tue, 17 Sep 2013 12:58

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