Editorial Policy & Methodology

Our Editorial Principles

We exist to help people in Ireland confidently understand car finance—repayments, APR, eligibility and alternatives such as PCP. We:

Maintain strict independence from lenders and brokers
Disclose assumptions, limitations and where estimates are used
Prioritise clarity over jargon; plain English (en-IE)
Keep content current with Irish market changes

Sources & Verification

Every guide and calculator input is checked against reputable sources:

Central Bank of Ireland rules & consumer credit guidance
Official lender pages (AIB, Bank of Ireland, PTSB, Avant Money, Credit Unions)
Government publications and lender product disclosure statements

Where lenders publish rate ranges, we use representative APRs for like-for-like comparisons and note minimum/maximum where relevant.

Update Cadence

We review and refresh pages at least quarterly, and sooner if material changes occur.

Rates & APR tables

Monthly check

Calculators & formulas

Quarterly

Eligibility & fees

Quarterly

Guides & FAQs

Ongoing

Calculator Methodology

Our calculators use standard amortisation to estimate monthly repayment:

M = P × [ r(1+r)^n / ((1+r)^n − 1) ]
Where:
P = loan principal (€), r = monthly rate (APR ÷ 12), n = number of months.

APR v Interest Rate: Where fees apply, APR reflects the total cost; we label clearly.
Representative Examples: Shown for comparability; your actual rate depends on credit, income, term and lender policy.
Assumptions: Fixed monthly payments unless otherwise stated; rounding to 2 decimals; illustrative only.

Independence & Conflicts

Content is editorially independent. We do not sell ranking positions in tables, and sponsored placements—if any—are clearly labelled.

Corrections & Feedback

Found an error or outdated detail? We’ll fix it swiftly. Please contact us with the page URL and details.

Accessibility & Plain English

We aim for accessible reading levels, semantic headings, high contrast, and mobile-first layouts. Financial terms are explained with short definitions and examples.

Data & Privacy

We do not sell personal data. See our Privacy Policy for GDPR practices, cookies and analytics.

Disclaimers

Information is for guidance only and not financial advice. Always confirm final terms with the lender before applying. Eligibility and rates are subject to change.

Last reviewed: 21 September 2025

Editor: Car Loan Calculator Ireland Editorial Team