Buy Your Car with Confidence, Not Conditions

PCP finance might seem like a simple way to get behind the wheel of a new car. But with balloon payments, strict conditions, and the fact that you don’t even own the car until you make the final payment, it’s not always the great deal it appears to be.

At Comhar Linn INTO Credit Union, we’re offering a better way.

Why choose a Comhar Linn Car Loan?

• 6.75% APR – competitive, transparent, and straightforward.
• You own your car from day one – no final lump sums or hidden conditions.
• No deposit needed – walk into the dealership as a cash buyer.
• No balloon payments – what you borrow is what you repay.
• No admin or processing fees – ever.
• Free Loan Protection Insurance – included for peace of mind (T&Cs apply).
• Tailored for INTO members – salary/pension deductions make repayments hassle-free.
• Repay early with no penalties – we won’t stand in your way.
• Apply online – fast, easy, and paper-free.
• Quick decisions – 85% of loans approved in under 24 hours.
• High approval rate – we say YES to 99.9% of applications.
  
  

Why is a PCP deal so tricky?

With PCP, you’re not paying off the full cost of the car; just a portion of it. Monthly payments are lower because:

• You pay a deposit (often up to 30%).
• You have a large final payment (GMFV) at the end, often several thousand euro.
• You’re charged extra for going over mileage limits or for minor wear and tear.
• So, while it seems affordable, PCP is really a lease, not ownership.
  
  

With Comhar Linn, you’re in control.

No nasty surprises. No final bills. Just a car that’s 100% yours.

Before you sign a PCP agreement, talk to us. We’ll help you steer clear of hidden costs, and straight into car ownership.

👉 Apply Now or use our calculator to see what your repayments could look like.

Sample repayments on a Comhar Linn INTO Credit Union Car Loan:

*APR= Annual Percentage Rate. Whilst every care has been made in the production of this web page, the Credit Union, or any of its staff, cannot be held responsible for any omissions, errors or other mistakes made. This web page is for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing. Loans are subject to approval. Terms and conditions apply.