Why we built the most practical car finance resource in Ireland
We’re here to turn confusing car finance into clear, confident decisions. This platform was born from one person’s frustrating journey as a car buyer in Ireland — and has grown into a set of simple tools, unbiased guides, and data-driven calculators for everyone.
From unanswered questions to a solution millions can use
“What APR is fair? Fixed or variable? Are Credit Unions cheaper than banks? What’s a realistic monthly repayment?” — We searched online and asked around… but nothing gave a straight, Irish-specific answer.
After deep research, spreadsheets, and calls with lenders, we bought a car on finance — and finally understood how APR, fees, and terms play together in Ireland.
We turned that research into a transparent calculator and plain-English guides — so you can compare AIB, BOI, PTSB, Avant, and Credit Union rates, and estimate repayments in minutes.
Make car finance decisions in Ireland simple, fair, and fast
Instant monthly repayments, total cost, and interest — in € Euro, for Irish lenders.
Understand AIB, Bank of Ireland, PTSB, Avant Money & Credit Union options, clearly.
Plain-English explanations of APR, fees, fixed vs variable, prepayment and refinancing.
Hi, I’m Swapnil Sanghvi — developer & car finance nerd
I created Car Loan Calculator Ireland after my own car-buying journey. I spent weeks digging through Irish lender sites, forums, and calculators — and still couldn’t get clear answers for basic questions like monthly repayments, realistic APRs, prepayment penalties, or whether a Credit Union would actually be cheaper than a bank for my profile.
So I built the tool I wished existed: fast, transparent, Irish-specific. The goal isn’t to sell finance — it’s to explain it simply and help you run the numbers with confidence before you talk to any lender.
Independent guide. We’re not a lender and do not provide personalised financial advice. Always review terms with your chosen provider.
Editorial policy & methodology in plain English
We model repayments using standard amortisation and present totals (monthly, interest, full cost) clearly.
We explain assumptions, show examples, and avoid hidden fine-print.
No lender bias. We aim to make you an informed borrower — that’s it.
Built around real questions Irish buyers ask
Estimate monthly repayments & total cost in € Euro — instantly.
Compare AIB, BOI, PTSB, Avant Money & Credit Unions.
Understand income requirements, ICB reports & approval basics.
See savings from early repayment; explore refinancing options.
Run your numbers before you apply with any lender. It’s your best leverage for a fair deal.
Open the Calculator