City & County Finance
Head Office: Unit 5 Howth Junction Business Park, Dublin 5, Ireland
Fax: 01- 8320207
City and County Finance Ltd (CCF) established in 1989, is a division of the Denis Mahony Motor Group and is wholly owned by John & Denis Mahony and funded by Bank of Ireland.
As a fully regulated finance company we have the ability to offer finance on the spot for your next vehicle
City & County Finance & Denis Mahony are committed to your customer satisfaction and our qualified trained staff are always available to discuss any queries you may have.
This allows you to borrow money from the finance company over a fixed period from 2 - 5 years. The car becomes your property only when you have paid the final instalment due under the agreement. The interest rate for a hire purchase agreement is fixed for the term of the agreement. Hire purchase is only available for amounts from EUR €7,500 or greater.
The APR (Annual Percentage Rate) for Hire Purchase depends on the amount borrowed, and the term of the borrowing. On Hire Purchase, a Documentation Fee of EUR €44.44 and a Completion Fee of EUR €126.97 are payable with the first and last repayments. Terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. Term can be from 2 to 5 years to suit your income and budget and repayment capacity.
Benefits of Consumer Hire Purchase!
- You have peace of mind by knowing from the outset the timing and amount of repayments
- As the instalments are fixed; the payments are not subject to fluctuations in interest rates
- You have ownership of the car at the end of the agreement on payment of the purchase fee
- A minimum of red tape - we'll save you time by taking care of the details when it comes to your application
How it works:
Whether you are buying a new or used Toyota, Lexus or Mercedes our Hire Purchase product is easy to arrange and more importantly – it is affordable! We’ll tailor your fixed monthly payments based on your deposit over a period that suits you.
- Select the car you want, agree your deposit and a repayment term that suits you
- Your Dealer Business Manager will calculate your fixed monthly payment. Once you have signed your Hire Purchase agreement, you can drive away in your new car or used car.
The finance company lease the vehicle to you at a fixed monthly rental for a fixed term, from 2 - 4 years. The bank or finance company owns the car and charges you for its use. The interest rate for a leasing agreement is fixed for the term of the agreement. Lease is only available for amounts greater than or equal to EUR €15,000.
Benefits of Leasing!
- Cashflow and other bank credit lines are preserved
- Payment schedules can be tailored to match income and cash flow
- Usually no additional security is required
- Gives your business new cars & vans with a small initial outlay
- 100% finance available
- Rental payments are fixed, allowing you to budget accurately
- Lease rentals are deductible for tax purposes (subject to current tax legislation)
- If you are VAT registered VAT on lease rentals is reclaimable for Vans but not cars.
How does it work?
At its simplest, leasing is an arrangement whereby the bank buys the assets your business needs and leases them to you over a given period (usually 3 - 5 years). In this way you are acquiring the use of the asset without putting your cashflow under extra pressure. At the end of the ease period you can either extend the lease or buy the asset outright (through Leased Assets Disposal Company).
Car finance is available through Denis Mahony / City & County Finance
Established for over 50 years, we have enjoyed an unparalleled reputation as a Motor Dealer and Finance Intermediary in the Irish marketplace.
The quality and reputation of our dealership submitting your application is of paramount importance when it comes to underwriting criteria in relation to a motor loan application.
If you are thinking of changing your car, our qualified Business Managers have extensive experience in tailoring the most suitable products and applications to suit your needs. You may be surprised how easily you could be driving away from one Denis Mahony showrooms in your dream car!
Applying for Finance doesn’t have to be complicated and at your local Denis Mahony Dealer it isn’t.