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Would I qualify for PCP?

I am hoping to get car finance. I left a permanent primary teaching job of 18 years in Dublin and moved to the country. I am now on a fixed term contract but will have no problem securing another job next September. My job now requires me to drive to work so I need a reliable vehicle. I have an 03 Toyota that I would hope to trade in for scrappage. I don’t wish to use a guarantor to apply for a loan from credit union/banks. Would I qualify for PCP as I am debt-free and a homeowner since 2007? I could also provide a deposit of €2,000/3,000.

Thanks

Filed under finance - Asked by Ann Horan (Cork) - Tue, 20 Oct 2020 14:51


Shane O' Donoghue Answered by: Shane O' Donoghue - Complete Car Advisor - @Shane_O_D

Answer

Hi Ann,

As every case is different and every lender will have their own criteria, we're not in a position to say for certain if you'd qualify for PCP, but I suspect you wouldn't have too much of an issue. 

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