Open today · 09:00 – 18:00 Primatestown, Ashbourne, Co. Meath
4.9 · 670+ Google reviews 087 117 1219
HugoCars

Drive away with finance that works for you.

Competitive rates, flexible terms, and a real human walking you through it. We work with multiple Irish lenders and can usually get an answer within 24 hours.

Finance calculator

Get a feel for monthly payments.

Slide the values to see how the numbers change. Then apply on the right — usually decisioned within 24 hours.

Estimate your repayments

Indicative figures only. Your actual rate depends on your circumstances.

15,000
€3,000€50,000
1,500
€0€20,000
60 months
12 months84 months
Estimated monthly payment
284
at 9.9% APR · representative

Hugo Cars Ltd is a credit intermediary acting on behalf of multiple finance providers. Finance is subject to status, lending criteria and approval. Terms and conditions apply.

Apply for finance

Quick application. We'll come back within 24 hours with a decision.

Submit application

Your information is stored securely and only used to process your finance enquiry.

How finance works at Hugo

Three steps from application to keys.

1

Apply online or in branch

Fill out the form on this page, or pop into the dealership. We'll need a few details — name, employment, address, and the car you're interested in (if you've picked one).

2

We submit to lenders

We work with multiple Irish lenders. We'll match your application to the right one and chase a decision — usually back within 24 hours.

3

Sign and drive away

Once approved, you sign the agreement, we sort the rest, and you take the keys. We can normally have you driving away within a couple of days of approval.

FAQs

Common questions about car finance.

Do I need a perfect credit history to qualify?
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No. We work with a range of Irish lenders, including those that specialise in customers with limited or imperfect credit histories. Apply and we'll let you know what's possible — there's no impact on your credit score from an initial enquiry.
Can I trade in my existing car as part of the deposit?
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Absolutely. Most of our finance customers do exactly this. Get a valuation on the Sell Your Car page, and we can roll the trade-in value into your deposit on the new car.
What documents do I need to apply?
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Photo ID (passport or driving licence), proof of address (utility bill or bank statement from the last 3 months), and 3-6 months of payslips or bank statements. If you're self-employed, recent accounts or a Revenue tax return.
What kind of finance products do you offer?
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Hire Purchase (HP) is the most common — fixed monthly payments over a set term, you own the car at the end. We also offer PCP (Personal Contract Purchase) on selected newer vehicles, which gives you the flexibility to hand the car back, refinance, or buy outright at the end of the term.
Can I settle finance early without a penalty?
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Most finance agreements allow early settlement, sometimes with a small fee depending on the lender. Your specific agreement will spell this out clearly — and we'll point it out when you sign so there are no surprises.