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Car Finance Agreement

Car Finance Agreement Template for Ireland

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Key Requirements PROMPT example:

Car Finance Agreement

"I need a Car Finance Agreement for a Personal Contract Plan (PCP) arrangement to be used by our dealership network in Ireland, specifically for luxury vehicles over €75,000, with an option for the customer to purchase the vehicle at the end of the term in March 2025."

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Document background
The Car Finance Agreement is a legally binding document used in Ireland for facilitating the purchase of vehicles through various financing options, including hire purchase and personal contract plans (PCPs). It is designed to comply with the Consumer Credit Act 1995, the Consumer Protection Code 2012, and other relevant Irish financial regulations. The agreement comprehensively details the financial terms, vehicle specifications, ownership arrangements, and obligations of all parties involved. It includes mandatory consumer protection provisions, clear disclosure of APR and total cost of credit, and specific conditions for vehicle maintenance and insurance. This document is essential for financial institutions, car dealers, and customers engaging in vehicle financing transactions in Ireland, providing legal certainty and protection for all parties involved.
Suggested Sections

1. Parties: Identification of the finance provider, dealer (if applicable), and the customer(s)

2. Background: Context of the agreement, including brief description of the financing arrangement type

3. Definitions: Definitions of key terms used throughout the agreement

4. Vehicle Details: Comprehensive description of the financed vehicle including make, model, VIN, registration

5. Financial Terms: Details of the financial arrangement including purchase price, deposit, interest rate, APR, total amount payable

6. Payment Terms: Payment schedule, method of payment, and consequences of late or missed payments

7. Duration and Termination: Term of the agreement and conditions for early termination

8. Customer Obligations: Customer responsibilities including insurance, maintenance, usage restrictions

9. Ownership and Title: Clarification of vehicle ownership during and after the agreement term

10. Insurance Requirements: Mandatory insurance requirements and procedures for insurance claims

11. Default and Remedies: Consequences of default and available remedies for both parties

12. General Terms: Standard contract terms including notices, amendments, governing law

Optional Sections

1. Guaranteed Minimum Future Value: For PCP agreements only - details of GMFV and final payment options

2. Mileage Restrictions: For PCP agreements - annual mileage limits and excess mileage charges

3. Dealer Warranties: When additional dealer warranties are provided beyond manufacturer warranty

4. Trade-In Details: When a vehicle is being traded in as part of the transaction

5. Additional Services: When maintenance packages or other services are included in the finance agreement

6. Joint Purchasers: Additional terms when there are multiple customers on the agreement

7. Business Use: Special terms for vehicles intended for business use rather than personal use

Suggested Schedules

1. Schedule 1 - Vehicle Specification: Detailed technical specifications and condition report of the vehicle

2. Schedule 2 - Payment Schedule: Detailed breakdown of all payments including dates and amounts

3. Schedule 3 - Insurance Requirements: Specific insurance requirements and approved insurers if applicable

4. Schedule 4 - Warranty Details: Details of manufacturer and/or dealer warranties

5. Appendix A - Pre-Contract Information: Standard European Consumer Credit Information (SECCI) form

6. Appendix B - Vehicle Maintenance Requirements: Required maintenance schedule and approved service providers

7. Appendix C - Return Conditions: Vehicle condition requirements at the end of the agreement

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions









































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Relevant Industries

Automotive

Financial Services

Banking

Consumer Finance

Retail

Insurance

Legal Services

Relevant Teams

Legal

Compliance

Finance

Sales

Credit Risk

Customer Service

Collections

Operations

Business Development

Document Management

Risk Management

Relevant Roles

Finance Manager

Credit Officer

Legal Counsel

Compliance Officer

Sales Manager

Automotive Finance Specialist

Consumer Credit Manager

Contract Administrator

Risk Manager

Customer Service Representative

Collections Manager

Business Development Manager

Financial Services Director

Dealership Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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