Personal Motor Finance
With clear, flexible terms and decisions as quick as the car you want to drive, not only do we make motor finance simple, we get you behind the wheel faster too.
Lasting Relationships - Digital Ease - Trusted Expertise - Fast Decisions
Mairead Gallagher, Personal Motor Customer
"It was all plain sailing dealing with Capitalflow and there were no issues whatsoever – everything was very smooth".Partnership Stories
Want to Speak to a Motor Finance Expert?
How it Works
1
Tell us what you want to finance
Whether you’re looking for a sports car, SUV or just to fund a family one, chances are we can put the proper finance in place.
2
Choose your finance type
Hire Purchase: Own your vehicle at the end of the repayments term.
Lease: Rent the vehicle, with the option to upgrade at a later date.
Unsure of your best finance option?
How Our Rates Work
We don’t do set rates. We do fair ones.
As every customer is different, we take a look at your set up before agreeing what works best for you.
Learn MoreTypical Example: This is a Hire Purchase Agreement as defined by the Consumer Credit Act 1995. Lending terms and conditions apply. Applicants must be 18 years of age or over. A joint hirer may be required. Calls may be recorded. Example: New / Used Vehicle: Typical APR 9.9% Fixed (subject to change). Cash Price €22,250. Deposit / Trade In €2,250. Finance Amount €20,000. 48 Monthly Installments of €499.51. Total Cost of Credit €4,126.48. Documentation Fee of €75 and Completion Fee of €75 applies. A minimum deposit of 10% may be required. (For any finance amount less than €10,000 or any term shorter than 36 months, the Typical APR may vary – please contact our office for exact quote)
When a Motor Dealer or Finance Broker arranges finance as a Credit Intermediary, Capitalflow can pay a commission fee to the Motor Dealer or Finance Broker. Before you proceed with a finance agreement you can ask the Intermediary for details of their commission arrangements and the amount they can receive from Capitalflow for arranging your finance. Under Section 148(e) of the Consumer Credit Act 1995 it is a requirement for a Credit Intermediary to disclose to Consumers, in writing before entering into a finance agreement, that commission is payable. Any commission amount will be included in your quote document and your finance agreement. You should read the documents carefully. The amount of commission can vary taking into account our agreement with the credit intermediary, the term and the amount financed. The amount of commission payable by Capitalflow depends on the agreement that we have in place with the credit intermediary. We either pay a Fixed percentage of the amount financed or a fixed monetary amount. For example:
| Finance Amount | Term (Months) | Typical Commission Received %* | Typical Commission Received € |
|---|---|---|---|
| €18,000 | 36 | 2.5% | €450 |
| €18,000 | 60 | 2.5% | €450 |
*Fixed % of the amount Finance All charges, fees and commission are included in the Annual Percentage Rate (APR) that is applied to your finance agreement with Capitalflow. Commission forms a part of the total cost of the finance agreement to you. The payment is made to the credit intermediary as a one-off payment, shortly after your finance agreement has been put in place. Commission is fixed and not discretionary. The intermediary does not have discretion to vary the amount of commission that is paid to them. The rates intermediary’s can offer customers are fixed and they cannot adjust these rates.