Finance for you Ireland

What Finance for you Ireland does

Finance For You Ltd (trading as Finance For You) is an Irish consumer finance company headquartered in Killarney, Co. Kerry, that specialises in Hire Purchase (HP) lending for vehicle purchases. The company serves individuals across the Republic of Ireland who have been declined by mainstream banks, finance houses, or credit unions — primarily non-prime borrowers, self-employed applicants who struggle to evidence stable income, and consumers seeking to rebuild their credit history through on-time repayment. Loan sizes range from €3,750 to €45,000 over terms of 18 months to 6 years, with risk-based APRs from 10.99% to 22.99%; a minimum 5% deposit is required and decisions are communicated within 24 hours.

The business operates a hybrid distribution model spanning Irish vehicle dealerships, CCPC-authorised credit intermediary brokerage firms, and a direct-to-consumer online application channel via financeforyou.ie, supplemented by a dealer locator tool. Underlying technology consists of automated credit decisioning and underwriting that integrates with the Irish Credit Bureau for credit history checks and the Central Credit Register for mandatory repayment reporting; the company also uses automated identity verification, AML screening, affordability assessment, and interest-rate determination. Servicing is delivered through an Anchor-powered client portal. Revenue is generated from interest on HP agreements plus a granular schedule of ancillary fees (administration, option-to-purchase, restructure, settlement, bounced DD, and repossession), with secured wholesale funding provided by National Westminster Bank PLC and Macquarie Bank Europe DAC. The company is regulated by the Central Bank of Ireland under the Consumer Credit Act 1995 and is led by CEO Brian Leslie.

Name

Finance for you Ireland

Legal name

Finance For You Ltd

Website

https://financeforyou.ie

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Finance For You is an Irish consumer finance company providing hire purchase vehicle loans (€3,750–€45,000) to non-prime borrowers declined by mainstream banks, distributing through Irish vehicle dealerships, CCPC-authorised credit intermediaries, and direct online applications.

Ownership category

akta.pro rank

Headquarters

HQ city

Killarney

HQ country

Ireland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Hire Purchase Finance Interest: Primary revenue from interest charged on hire purchase agreements for vehicle financing. Interest rates range from 10.99% to 23% APR depending on individual risk profile and creditworthiness
2. Fees and Charges: Various fees including administration fees (€20), option to purchase fee (€5), loan restructure fees (€75), settlement letter fees (€15), bounced DD fees (€15), documentation fees, and repossession fees (€500)

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels3 records

Core offering

Finance For You Ltd is an Irish consumer finance company headquartered in Killarney, County Kerry, that provides Hire Purchase Finance for vehicle purchases. It lends between €3,750 and €45,000 over terms of 18 months to 6 years, targeting borrowers who are unable to obtain vehicle finance from mainstream banks due to poor, limited, or no credit history, self-employment status, or recent migration to Ireland.

Product overview

Finance for You offers a unified consumer finance platform centered on Hire Purchase lending for vehicle purchases in Ireland. The core product is the Hire Purchase Finance offering, which provides car loans ranging from €3,750 to €45,000 with terms from 18 months to 6 years. A specialized variant, Poor Credit Loans, targets customers with poor or damaged credit history and reports repayments to the Central Credit Register to assist with credit repair. The company also provides a Client Portal for account management. All products operate under the Consumer Credit Act 1995 and are regulated by the Central Bank of Ireland.

Differentiator

Problem solved

Functional benefit

Products and services

• Hire Purchase Finance

Quantifiable outcome

• Decision within 24 hours of application
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core.

• Irish Vehicle DealershipscoreChannel Partner/ Reseller/ DistributorNetwork of Irish vehicle dealerships authorised as regulated credit intermediaries by the Competition and Consumer Protection Commission. They introduce potential hirers to Finance For You and receive commission payments for introductions.
• Credit Intermediary Brokerage FirmscoreChannel Partner/ Reseller/ DistributorAuthorised credit intermediaries that work with a panel of lenders including Finance For You. They introduce potential customers and receive fixed commission payments.
• Irish Credit Bureau (ICB)coreTechnology or IntegrationCredit reference agency used for creditworthiness checks before offering finance. Credit history and repayment information is shared to assess lending risk.
• Central Credit Register (CCR)coreTechnology or IntegrationMandatory credit register under the Credit Reporting Act 2013. Finance For You reports loan repayments monthly to help customers rebuild their credit history.

Scale indicators1 record

Recent moves1 record

Expansion highlights5 records

Direct peers

• Close Brothers Motor Finance: UK specialist motor finance arm of Close Brothers Group serving prime and near-prime consumers and dealers through hire purchase and PCP products. Comparable to Finance for You in providing asset-backed vehicle financing to customers outside the easiest prime bracket, with similar reliance on dealer intermediaries.
• Moneybarn: UK subprime vehicle finance lender offering hire purchase and conditional sale to consumers with poor or limited credit history. Directly comparable to Finance for You in its non-prime borrower focus, higher APRs, hire purchase structure, and FCA-regulated consumer credit authorisation.
• Northridge Finance: UK specialist motor finance lender serving subprime and near-prime borrowers through dealer networks. Directly comparable to Finance for You in target customer profile, hire purchase product structure, and intermediary-led distribution.
• Blue Motor Finance: UK specialist subprime auto finance provider serving borrowers with impaired credit through dealer and broker channels. Mirrors Finance for You's intermediary-led distribution model and non-prime underwriting approach.

Broad incumbents

• Black Horse (Lloyds Banking Group): Motor finance arm of Lloyds Banking Group offering hire purchase, PCP, and leasing through UK dealer networks. Comparable as a large, established motor finance provider operating within a wider banking group, but with substantially broader prime-credit focus than Finance for You.
• Alphera Financial Services: BMW Group's captive motor finance provider offering retail and business finance solutions across multiple credit tiers. Comparable as a regulated vehicle finance provider with dealer-intermediary distribution, though serving a much broader customer spectrum including prime.
• Permanent TSB: Irish retail bank regulated by the Central Bank of Ireland offering personal loans, mortgages, and auto finance. Comparable as a domestic Irish credit provider serving consumer borrowers, though not focused on the non-prime hire purchase niche.
• Bank of Ireland: One of Ireland's largest retail and commercial banks, regulated by the Central Bank of Ireland, offering consumer loans, auto finance, and credit cards. Comparable as a Central Bank-regulated Irish credit provider, though primarily focused on prime borrowers rather than Finance for You's non-prime niche.

Emerging players

• Zopa: UK digital consumer lender offering personal loans and credit cards with automated underwriting. Comparable as a technology-enabled, non-bank consumer credit provider targeting underserved segments in the UK, though operating outside Ireland and without a motor finance focus.

Regional players

• Capitalflow Group: Irish non-bank lender providing asset finance, invoice discounting, and SME lending across Ireland. Comparable as an Ireland-based non-bank credit provider offering hire purchase-style asset financing, though primarily focused on commercial rather than consumer borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/finance-for-you-ireland

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finance for you Ireland