First Citizen Finance


In the know


Here are a few frequently asked questions about applying for car finance through First Citizen Finance. Want to know more? Please do get in touch!


Is there a minimum age for applicants? Yes, there is. If you want to apply for car fi nance you must be aged 18 or older.


I only moved to Ireland recently; is this package for me? Well, car fi nance is open to residents of the Republic of Ireland, so the answer is, yes it possibly is, provided you meet the other necessary criteria.


To qualify must I currently have a job? Car fi nance from First Citizen is open to those who are employed or retired and who hold a bank account that is suitable for Direct Debit payments.


Is there a minimum amount that I can borrow? If you need to borrow €4,000 or more, then car fi nance from First Citizen can potentially help.


A friend wants to sell me his car; can I get fi nancing for that? Afraid not; we are a dedicated provider of motor fi nance for new and used cars & LCV’s through SIMI and Approved Motor Dealerships.


Does the car, or light commercial vehicle (LCV) I’m interested in buying have to be brand new for me to qualify for car fi nance with First Citizen? No, car fi nance is available on vehicles that are seven years old and younger.


How long will I have to repay? To qualify for car fi nance with First Citizen you must be able to repay the fi nance over no more than fi ve years for new cars and over a period of between one and fi ve years for used vehicles – depending on its age.


But what about the Annual Percentage Rate (APR) on off er? First Citizen off ers successful applicants a very competitive rate of 7.9% APR (Fixed) on car fi nance. So, here’s a typical example: the payments on a €15,000 hire purchase agreement over 48 months are €363.58 per month and the total cost of credit is €2,452.84.


How long will it take to fi nd out if I’ve been approved for car fi nance? Don’t sweat it. We’ll have a decision for you within


three business hours of your application being lodged - subject to complete information being supplied, of course.


How do I apply for my car fi nance? Well, there are a few options for you to consider:


1 The fi rst is to visit the First Citizen Finance website at www.fi rstcitizen.ie


and click on Motor Finance. There, you can get an instant quote and proceed to a full online application.


2 Perhaps you’d prefer to visit your local franchise motor dealer and ask them to


take your details to pass on via the Autoline system at the dealership.


3 You could phone us directly at 01 884 6700.


4 Or you can download our mobile app, ‘First Citizen Abacus’, on Windows / iOS /


Android to kick things off (see Page 9 for full details).


This is a Hire Purchase Agreement as defi ned 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 7.9% Fixed (subject to change). Cash Price €18,750. Deposit / Trade In €3,750. Finance Amount €15,000. 48 Monthly Instalments of €363.58. Hire Purchase Price €21,202.84. A minimum deposit of 20% may be required. A Completion Fee of €1 is payable. Finance is provided by First Citizen Finance DAC, which is regulated by the Central Bank of Ireland. Registered in Dublin 518751.


Warning – you will not own these goods until the fi nal payment is made. 8 Auto Ireland 2018


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32  |  Page 33  |  Page 34  |  Page 35  |  Page 36  |  Page 37  |  Page 38  |  Page 39  |  Page 40  |  Page 41  |  Page 42  |  Page 43  |  Page 44  |  Page 45  |  Page 46  |  Page 47  |  Page 48  |  Page 49  |  Page 50  |  Page 51  |  Page 52  |  Page 53  |  Page 54  |  Page 55  |  Page 56  |  Page 57  |  Page 58  |  Page 59  |  Page 60  |  Page 61  |  Page 62  |  Page 63  |  Page 64  |  Page 65  |  Page 66  |  Page 67  |  Page 68  |  Page 69  |  Page 70  |  Page 71  |  Page 72  |  Page 73  |  Page 74  |  Page 75  |  Page 76  |  Page 77  |  Page 78  |  Page 79  |  Page 80  |  Page 81  |  Page 82  |  Page 83  |  Page 84  |  Page 85  |  Page 86  |  Page 87  |  Page 88  |  Page 89  |  Page 90  |  Page 91  |  Page 92  |  Page 93  |  Page 94  |  Page 95  |  Page 96  |  Page 97  |  Page 98  |  Page 99  |  Page 100  |  Page 101  |  Page 102  |  Page 103  |  Page 104  |  Page 105  |  Page 106  |  Page 107  |  Page 108  |  Page 109  |  Page 110  |  Page 111  |  Page 112  |  Page 113  |  Page 114  |  Page 115  |  Page 116