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Finance Options NI/UK dealers

  • 07-10-2016 12:25am
    #1
    speedfight
    Registered Users Posts: 31 ✭


    I'm looking at used Audi mid range and have seen high spec NI and UK versions which do not appear in Irish dealers. Anyone have experience with a main dealer in Belfast or in Britain obtaining finance with ROI address?


Comments

  • #2
    bazz26
    Registered Users, Registered Users 2 Posts: 51,297 ✭✭✭✭bazz26


    I don't think you can get finance in a country you are not resident in.


  • #3
    NIMAN
    Registered Users, Registered Users 2 Posts: 34,042 ✭✭✭✭NIMAN


    As Bazz said, wouldn't think its possible.

    What if you stopped paying? Could they chase you for the debt from another country?


  • #4
    grogi
    Registered Users, Registered Users 2 Posts: 8,615 ✭✭✭grogi


    speedfight wrote: »
    I'm looking at used Audi mid range and have seen high spec NI and UK versions which do not appear in Irish dealers. Anyone have experience with a main dealer in Belfast or in Britain obtaining finance with ROI address?

    What is stopping you from obtaining finance from ROI institution?


  • #5
    burkey2k0
    Registered Users Posts: 137 ✭✭burkey2k0


    Coincidentally, I literally called an NI dealer 5 mins before seeing this post asking the same question. No, they cannot finance a buyer without an address in the North (or rest of UK most likely).


  • #6
    grogi
    Registered Users, Registered Users 2 Posts: 8,615 ✭✭✭grogi


    burkey2k0 wrote: »
    Coincidentally, I literally called an NI dealer 5 mins before seeing this post asking the same question. No, they cannot finance a buyer without an address in the North (or rest of UK most likely).

    The dealer IS NOT the institution that provides the financing, they are just facilitating it... Like a broker...


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  • #7
    bazz26
    Registered Users, Registered Users 2 Posts: 51,297 ✭✭✭✭bazz26


    grogi wrote: »
    What is stopping you from obtaining finance from ROI institution?

    Banks have certain restrictions on their lending terms. Normally if it's a regular car loan they will insist on the car being bought from a registered dealer and some may exclude dealers in another country.


  • #8
    bazz26
    Registered Users, Registered Users 2 Posts: 51,297 ✭✭✭✭bazz26


    grogi wrote: »
    The dealer IS NOT the institution that provides the financing, they are just facilitating it... Like a broker...

    Dealers facilitate applying for finance every day on behalf of customers so they have a very good idea who will be successful and who won't. They are not going to waste their time or a customer's time applying for finance that they know is unlikely to be approved.


  • #9
    burkey2k0
    Registered Users Posts: 137 ✭✭burkey2k0


    grogi wrote: »
    burkey2k0 wrote: »
    Coincidentally, I literally called an NI dealer 5 mins before seeing this post asking the same question. No, they cannot finance a buyer without an address in the North (or rest of UK most likely).

    The dealer IS NOT the institution that provides the financing, they are just facilitating it... Like a broker...
    I think we all know that, cheers.


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