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Motor Finance, Fees, Charges & Regulatory Information

Schedule of existing charges as of July 2025

The table below details the full list of existing charges for consumer products offered by Finance Ireland Motor & Leasing as of July 2025.

Description of Fee / Charge Name Fee currently applied Frequency of fee
Documentation Fee €75 Collected with first monthly instalment
Completion Fee €75 Collected with last monthly instalment
Excess kilometre fee 15c per km in excess of agreed annual km On return of vehicle
Early settlement fee Equivalent of three months’ interest Upon early settlement of agreement
Unpaid instalment €20 Per unpaid instalment
Default letter €15 To account when a notice of default is issued
Arrears letter €15 Posted to account when a notice of default is issued
Termination notice €30 Posted to account when a Termination notice is issued
Penalty Interest 2% Late payment interest accrued daily on any arrears balance
Direct Debit cancellation fee €18 If a Direct Debit is cancelled without advising ourselves
Payment Method Change €32 If we agree to change the customers payment method
Payment Date Change €24 If we agree to change the customers payment method
Documentation request charge Up to €30 If a customer requests a copy of documentation
Agreement Transfer Charge €60 If we agree to transfer the customers agreement
Dealer Stocking
Administration (unit loading) fee €25 +VAT On unit loading
Unit sale out of trust fee €50 +VAT Per failure to notify
Unpaid DD €50 +VAT Unpaid item
Interest on Late Payment Base Rate plus 8% When in arrears
Administration support fee €25 +VAT Per support arrangement

Dealer Commission Frequently Asked Questions

A credit intermediary is authorised by the Competition and Consumer Protection Commission (CCPC) to arrange finance agreements.   Finance Ireland Motor & Leasing has a network of approved credit intermediaries throughout the Republic of Ireland. Commission may only be paid to credit intermediaries (motor dealers) that are licenced with the CCPC.

Commission is a payment that may be made by Finance Ireland Motor & Leasing to the credit intermediary for arranging the loan.  Commission is a cost paid by the customer and is included in the Annual Percentage Rate (APR) quoted on the finance agreement. It also includes other charges such as a documentation and completion fee.

The commission amount is either based on the amount of finance advanced and the interest rate charged, or a fixed monetary payment.

Examples provided below are typical average balances in different rate bands.

Example 1:
Average used vehicle: Finance amount €18,000 over a 60 month term.
APR 9.42%. €1,080 (6%) commission payable to the dealer.

Example 2:
Average new vehicle: Finance amount €35,000 over a 60 month term.
APR 7.33%. €700 (2%) commission payable to the dealer.

Example 3:
Average older vehicle: Finance amount €10,000 over a 48 month term.
APR 12.23%. €300 (3%) commission payable to the dealer.

Example 4:
Average Flex finance: Finance amount €15,000 over a 60 month term.
APR 16.33%. €200 (2%) commission payable to the dealer.

APR offered may vary depending on the year of the car, the dealership and the customers credit record.
Examples are for illustrative purposes only.

Commission is fixed and not discretionary. The motor dealer does not have discretion to vary the amount of commission that is paid to them. The rates dealers can offer customers are fixed and they cannot adjust these rates.

Please Take The Time To Read The Below Important Legal Information & Regulatory Notices

You may have to pay charges if you pay off a hire-purchase agreement or consumer-hire agreement early.
If you do not meet the repayments on your hire-purchase agreement or consumer-hire agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Intermediary Commissions: Finance Ireland Motor & Leasing may pay the car dealer commission for assisting in arranging this finance agreement. Commission rates and interest rates may vary between car dealerships.