What You Need to Know
Hire Purchase
With Hire Purchase Finance, you pay for your new or used car in direct debit instalments and the car becomes yours at the end of the finance agreement
Fast Finance available from €7,000 up
Flexible repayment terms – from two to six years - depending on whether the car is used or new. If you would like to go ahead with an application for Motor Finance, start by getting a quote on the "Get Your Quote" button above and you can apply fast and simply from there!
Instant Quotes 24/7
Competitive Rates
Quick Decisions
Simple to Use Digital Platform
Excellent Customer Service
New and Used Vehicles
Typical 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)
Warning: You will not own these goods until the final payment is made. Warning: You may have to pay charges if you pay off a hire-purchase agreement early. Warning: If you do not meet the repayments on your hire purchase agreement , your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit or a hire-purchase agreement in the future.
Credit Intermediary Commission
Your credit intermediary may receive commission for arranging this finance agreement with Capitalflow. 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 paid does not impact the interest rate or cost of credit on your finance agreement, however the amount financed and term of your agreement does impact your cost of credit.
The amount of commission payable by Capitalflow depends on the agreement that we have in place with the credit intermediary. We can pay a Fixed percentage of the amount financed.
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.
