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Polestar Financial Services

Finance Ireland, trading as Polestar Financial Services is the exclusive finance provider for Polestar cars in the Republic of Ireland.

Whether you are a new customer or an existing customer with a query on your agreement, you should be able to find everything you need here related to Polestar finance here.

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I am an existing Polestar customer

All Polestar Ireland customers will have access to our In-Life customer portal.  You can use the In-Life portal to view your payment history, access your payment schedule, review your agreement documents or generate a settlement quote.  To find out about accessing our customer portal, or for any additional queries you may have, please visit our existing customer page.

If you are nearing the final payment of a three or four year PCP cycle you have a number options available.  You can;

  • Upgrade to a new car. If the value of your car is higher than the Guaranteed Minimum Future Value (GMFV) agreed with your dealer, you can even use the equity as a partial deposit for a new car (with a new PCP agreement).
  • You can pay the agreed GMFV and take full ownership of the car.
  • You can simply hand back the car.
  • You can also hold onto your car by refinancing the Guaranteed Minimum Future Value (GMFV) amount which you agreed to at the outset of your contract. To find out more about this option, please email polestar@financeireland.ie, referencing your agreement number as soon as possible.

Regardless of which option suits you best, we strongly advise that you discuss your next steps with our Polestar team.  You can get in touch by filling in the enquiry form below.

With Hire Purchase, you will have paid for the vehicle in full over the term of the agreement. When the final payment is taken (which usually includes a €75 completion fee), you will become the legal owner of the vehicle.
If you wish to upgrade to a new Polestar, and you are looking for guidance on the process, feel free to contact our Polestar team by filling in the enquiry form below.

I want funding for my Polestar

If you have placed your order on Polestar.com, you should have access to a finance enquiry form, please fill in this form and we will call you to discuss your quote. If you have completed this form and haven’t heard from us, please fill in the enquiry form below and a member of our Polestar team will be in touch.
Hire purchase is a financial arrangement where an individual or business acquires an asset by paying an initial down payment, followed by regular installments over a fixed period. The asset remains the property of the lender until the final installment is paid. During the hire purchase period, the buyer has possession and use of the asset but does not own it outright until the final payment is made. Higher Purchase agreements allow individuals and businesses to spread the cost of the asset over time while still benefiting from its use.
Personal Contract Purchase (PCP) is a car finance option where the buyer pays an initial deposit followed by fixed monthly installments over a set term, usually three or four years. At the end of the term, the buyer has three options:
  • return the car with no further payments (subject to mileage and condition restrictions)
  • make the final payment to purchase the car outright including the Guaranteed Minimum Future Value (GMFV), or;
  • use any equity in the car as a deposit for a new PCP agreement.
PCP is popular for new car buyers because it offers flexibility and lower monthly payments, making it attractive to those who want to drive a newer or higher-value car without the large upfront cost. The lower monthly payments in a PCP agreement are primarily due to the inclusion of the GMFV. The GMFV represents the estimated residual value of the vehicle at the end of the contract term. With a PCP agreement, the buyer is not financing the entire purchase price of the vehicle during the contract period, but rather the difference between the initial purchase price and the residual value.
You should have received a text message confirming receipt of your application. Your application will now be reviewed by our underwriters, this can take up to one business day. If you have applied and have not heard any further update after one business day, please contact our Polestar team by filling in the enquiry form below.

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