Any Independent PCP providers?

meep

I'm looking for an independent PCP provider in Ireland, but my Google Fu is letting me down.

I have my eye on an ex demo car that's < 1 year old, but the franchise dealer is not responding to my query on whether or not they can offer PCP on it.

Assuming it's ultimately a 'not interested', is there anywhere I can turn that might offer such finance?

Gant21

Buy it out in cash. That’s what that car dealer wants.

bazz26

https://www.boards.ie/discussion/2058257680/any-independent-pcp-providers

When you say not responding, are you talking about no response to an email? Have you actually gone into the garage in person and spoken to them about finance on the car? Just remember on a used car even one less than 1 year old, PCP might not be offered or the terms may not be as attractive as on a brand new car. Very few independant personal leasing out there but the likes of https://www.zucar.ie/leasing and https://www.leaseplan.com/en-ie/private/ offer it.

https://www.boards.ie/discussion/comment/119436346#Comment_119436346

That is simply not true. Dealers earn additional commission from banks introducing new customers to them through finance products.

Gant21

I’m aware they earn commission but what does it amount to after. Get the slice of the pie at the start.

meep

https://www.boards.ie/discussion/comment/119436645#Comment_119436645

Thanks. That's helpful.

Just early stages. Dealer is the other side of the country so wont be visiting until things firm up a bit more.

I've asked the PCP question twice now, (amongst others), by email, but they haven't addressed that query. So next step will be a phone call, but I just wanted to see what other options might be available, but couldn't find any independent finance services offering PCP options.

At first glance, the two you link seem to offer finance on their own vehicles, but I'll dive a little deeper to see if they cover cars from other sources.

walterking

https://www.boards.ie/discussion/comment/119436346#Comment_119436346

How is it any different.

Customer buys directly, money in bank the next day.

Customer buys via finance, money in the bank 3-4 days later.

Might have made a difference 30 years ago when paperwork had to be posted and extra forms filled, but these days its a fe clicks, a signature and thank-you.

For the OP, use your phone and call them. There is so much spam email out there that messages can easily get lost in the clutter

bazz26

https://www.boards.ie/discussion/comment/119437194#Comment_119437194

Paying for a car in cash doesn't have the power you think it has anymore.

https://www.boards.ie/discussion/comment/119437324#Comment_119437324

I'd doubt your going to get much in the way of information from dealers by email.

Also I don't think you are going to find any offering of PCP finance like standard finance the way your looking for it from an independant bank or broker. PCP is usually a financial product tied into a vehicle by car manufacturers/dealers to make buying a car through them easier.

wotzgoingon

I know you would have thought of this but what about traditional methods like a car bank loan or car credit union loan. They probably aren't as good as getting PCP but as was said above on a car a year old or older most places do not offer PCP on them.

Water2626262

A lot of providers offer used PCP but it’s restricted to age of car. Usually 0-3 years old. Dealer might not be into pcp and doesn’t want to hedge the gmfv (although low risk at present).

meep

Yes, am looking at all options. Just have that specific independent PCP question that I asked.

So far, no solutions seem to be forthcoming.

Will likely end up skjpping this car anyway and go for something else in the new year.

Thatks to everyone for looking and making suggestions.