Ireland car loan calculator
Calculate Irish car finance repayments across weekly and monthly schedules with APR interest rates, loan terms and PCP balloon payments.
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About this tool
Calculate car finance repayments for new and used vehicles in Ireland. Compare bank loans, credit union finance, and PCP (Personal Contract Plan) agreements with optional Guaranteed Minimum Future Value (GMFV) balloon payments.
How to use it
- 1 Enter vehicle purchase price and your cash deposit or trade-in value.
- 2 Set the annual percentage rate (APR %) and loan term in years.
- 3 Optionally input a PCP balloon residual payment (GMFV).
- 4 View your weekly and monthly repayment options and total interest cost.
Questions
What is a PCP car finance agreement in Ireland?
A Personal Contract Plan (PCP) lowers monthly payments by deferring a significant portion of the car's value to a final balloon payment (Guaranteed Minimum Future Value).
Are credit union car loans cheaper than dealer finance in Ireland?
Credit union car loans typically offer flexible terms without balloon payments, flexible overpayment with no penalty fees, and free loan protection insurance.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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