Financing
Finance that fits the way you drive
Spread the cost over two to five years, trade in your current car, or simply pay outright. Whatever you choose, you see every figure before you sign.
Work out your monthly payment
Enter the price of the car, choose a deposit and a term. The calculation uses a 6.9% fixed rate (7.1% APR representative); your own rate depends on the lender and on your circumstances.
- Terms from 24 to 60 months
- Deposits from 10%, or your car in part exchange
- Settle early at any time, with a capped charge
Three ways to pay monthly
We explain the difference in plain words and help you choose. The final terms always come from the lender.
Hire purchase
Pay a deposit, then fixed monthly payments. When the last one is paid, the car is yours.
Good if:
- You want to own the car at the end
- You prefer simple, fixed payments
- You drive a lot of kilometres
Personal contract purchase
Lower monthly payments, with a final optional payment to keep the car, or hand it back.
Good if:
- You change car every three or four years
- You want lower monthly payments
- You know roughly how far you drive
Lease
Rent the car for a fixed term with servicing included. You hand it back at the end.
Good if:
- You never want to own the car
- You like a new car every few years
- You want maintenance in one payment
How to apply
Choose the car
Pick it online or in the showroom; we give you the cash price in writing.
Get a quote
We compare offers from our lending partners and show you each one side by side.
Apply
Fill in one form with ID, tax code and proof of income. Most answers come the same day.
Sign and drive
Read the contract with us, sign, and collect your car, usually within five days.
Finance questions
Can I finance a used car?
Yes. All our approved used cars can be financed, usually up to eight years old at the end of the agreement.
How much deposit do I need?
Most agreements start from 10%. A larger deposit, or a car in part exchange, lowers what you pay each month.
Will applying affect my credit score?
We start with a soft check that does not show to other lenders. A full check only happens when you decide to apply.
Can I pay off the finance early?
Yes, at any time. You pay the remaining balance and a small, capped early-settlement charge set out in the contract.
What if my circumstances change?
Talk to us early. Depending on the agreement you may be able to change the term or hand the car back.
Representative example. Cash price €30,000.00; deposit €6,000.00 (20%); amount of credit €24,000.00; 48 monthly payments of €573.60; fixed rate 6.9% (7.1% APR representative); total amount payable €33,532.80. For illustration only. Finance subject to status, provided by our lending partners; Aura Automotive is a credit intermediary, not a lender.
Ready for a test drive?
Pick a car, pick a time: 30 minutes on the road with one of our team, no pressure to buy.