FAQ | Finance Now

FAQ

1. Who are you and what do you do?

We are an independent car finance broker based in Ireland. We act as an intermediary between you and a panel of trusted finance providers. Our role is to help you find a finance option that suits your needs and budget — whether for a new or used car.

2. Are you a lender?

No. We do not lend money directly. We work with authorised finance companies and banks who provide the actual finance. We help you prepare your application, present your case to lenders, and explain your options.

3. Are you regulated?

Yes. We are regulated by the Central Bank of Ireland as a credit intermediary. This means we must follow strict rules designed to protect you and ensure transparency.

4. Do you charge a fee for your service?

We generally receive a commission from the lender when your finance is approved. We do not charge you a separate fee..

5. What types of finance can you arrange?

We can help arrange:

Hire Purchase (HP)
Personal Contract Purchase (PCP)

6. Can you guarantee approval?

No. Approval is based on the lender’s criteria, including your credit history, income, and affordability. We will work with you to improve your chances and match you with a suitable lender.

7. What information will I need to provide?

Typically, lenders require:

Proof of ID (passport or driver’s licence)
Proof of address (utility bill, bank statement)
Proof of income (recent payslips, bank statements)
Details of the car you wish to finance

8. Will applying affect my credit score?

When we submit your application to a lender, they may carry out a credit check. Too many credit checks in a short time can affect your score, so we only submit your details to the most suitable lenders.

9. Can I use my own car as part of the deal?

Yes. If you have a trade-in, we can help incorporate it into the finance arrangement.

10. Do you arrange finance for private sales?

No, at this time we only deal with trusted Car dealers.

11. What happens if I want to settle my finance early?

Most agreements allow you to settle early, but the amount owed will depend on the type of finance and how far into the term you are. We can help you request a settlement figure from your lender.

12. Who do I contact if I have an issue after my finance is set up?

Once your agreement is in place, your lender will be your main point of contact for repayments, statements, or account changes. We’re still here to help if you need support or guidance.

13. How do you protect my information?

We comply with GDPR and the Central Bank’s data protection standards. Your details are only shared with finance providers relevant to your application.