Asset Finance
Car finance Ireland
Structured car finance in Ireland designed to help customers spread the cost of a new or used vehicle over an agreed term.
Fexco Asset Finance Limited, trading as Fexco Asset Finance, is regulated by the Central Bank of Ireland.
car finance
How personal car finance works
Personal car finance is designed to help customers spread the cost of a vehicle over a fixed term through structured repayments. This allows the cost to be paid over time rather than in one upfront payment.
Under a car finance agreement, repayments and term length are agreed in advance and clearly documented. Once all repayments are completed in line with the agreement, ownership of the vehicle transfers to the customer.
before you apply
Eligibility & responsible lending
Applications are assessed based on eligibility criteria and affordability considerations. You may be required to provide documents such as proof of identity, proof of address and income verification.
Approval is subject to assessment and agreement terms.
We assess applications in line with regulatory requirements and affordability standards to support responsible lending and transparent outcomes.
This reflects our commitment to fair and appropriate lending practices.
Frequently asked questions
What is car finance?
Car finance is a type of personal finance that allows customers to spread the cost of a vehicle over an agreed term through structured repayments.
Can I get car finance with a non-fixed income?
Applications are assessed individually based on affordability and supporting documentation. Approval is not guaranteed and is subject to eligibility criteria.
How long does car finance approval take?
Approval timelines vary depending on documentation and assessment requirements. Our team will advise you during the application process.
What happens if I miss a repayment?
Important information for personal car finance customers
We are committed to providing clear and accessible information to help you make informed financial decisions. The documents and guidance below outline your rights, responsibilities and the processes that apply to personal finance agreements.
Arrears information
If you experience difficulty in meeting repayments, it is important to contact us as early as possible. Our arrears information page explains the potential legal and practical consequences of missed payments, including the risk of additional charges, legal proceedings and repossession. It also outlines how to contact us for support and includes a link to independent advice services such as MABS.
Terms of business
Our Terms of Business document sets out the basis on which we provide personal asset finance services, including how agreements are structured, how we are regulated and the standards you can expect from us.
Complaints procedure
We have a defined complaints handling process in place. This section explains how to submit a complaint, the timeframe for response and the steps we take to review and resolve concerns.
Schedule of fees
The schedule of fees outlines any applicable charges associated with personal finance agreements, including administrative or arrears-related fees where relevant.
Privacy policy
Your personal data is handled in accordance with applicable data protection legislation. Our privacy policy explains how we collect, use and protect your information when you apply for or hold a finance agreement.