Can I get a car loan in the UK but working in Ireland?
Can I get a car loan in the UK but working in Ireland?
Angelo Di Pede (Navan)Mar 2025 Filed under: finance
Expert answer
Hi Angelo,
Without the full details it sounds like this is more a question for the institution you're hoping to get the loan from than us - and it depends on so many factors. A few thoughts:
- It would not be possible to obtain a UK car loan without a UK address.
- If you have a UK address, it may be possible to get a car loan from a bank or similar as they are unlikely to check where the car is actually registered. They're not likely to be bothered about that either as the car is rarely considered to be collateral in such circumstances.
- If, however, you mean car finance - PCP or hire purchase for example - then the car would have to be bought and registered in the same country as that in which the finance is taken out. If you are actually living in Ireland as well as working here, then the car would have to be reregistered here on importation, which is highly likely to be against the terms of the finance agreement.
- Finally, if you are a UK citizen that is working remotely for an Irish company, and you are looking to buy a UK car for use in the UK, then there should be no issues. Every finance institution will have its own rules on lending of course, but so long as you can show you have the means to repay the loan, it shouldn't matter which country the money is coming from.
Shane O' Donoghue - Complete Car Advisor