Trade In Car Dublin: Can You Get Car Finance?
Short answer: yes, you absolutely can. Using a trade in car Dublin as part of a finance deal is one of the most popular ways Irish drivers upgrade their vehicle through trusted car dealerships.
Trading in or selling your car in Dublin is a hassle-free process at reputable dealerships, such as the Joe Duffy Group, which offer both in-store and online vehicle valuation and make the paperwork straightforward. Top-rated car dealerships in Dublin for car trade-ins include Bradys, Ken Lawford Motors, Rialto Motors, Yomac Cars, Kylemore Cars, Bill Griffin Motors, and Topline Motors.
At Gerry Caffrey Motors, a leading Suzuki dealership in Dublin, we handle trade-ins every day. Customers can sell or trade in their car with ease, reducing hassle by using the value of their current car to lower repayments and move into something newer, safer, and better suited to Irish roads.
Here’s how the trade-in and finance process works.
How Car Finance with a Trade-In Works in Ireland
When you trade in your existing vehicle, its value is used as a deposit toward your next car or new vehicle purchase.
The trade-in process typically begins with providing information through an online appraisal form, where you fill out details and upload photographs of your vehicle. You can receive a cash offer for your car, and the price offered is valid for a limited time, usually around five days. Some online car valuation services can provide a valuation in about ten minutes, making the process quick and efficient.
That deposit helps to:
- Ensure you receive the best possible price by providing accurate information about your vehicle
- Cut overall interest costs
- Lower monthly repayments
- Reduce the amount you need to borrow
In our experience, this is often the most cost-effective way to change cars without stretching your budget.
A Simple Example
- Your finance is based on €15,000, not the full amount
- The new car or used car costs €20,000
- Your current car is valued at €5,000
That’s where a trade-in really makes a difference. When you trade in your car, the offer you receive from the dealer will typically be lower than what you might get if you sell privately, due to overheads and profit requirements. However, the trade-in value can be directly used to buy your next car, making the process of buying or upgrading straightforward and convenient.
Is Trade-In Finance Available on Used Cars?
Yes, and it’s extremely common.
Many customers searching for used cars in Dublin use their trade-in to step into a higher-quality, lower-mileage car than expected.
At Gerry Caffrey Motors, all used vehicles are carefully selected and fully inspected. Popular featured cars include:
- Suzuki S-Cross – great for families and longer motorway journeys
- Suzuki Swift – perfect for city traffic and tight parking
- Suzuki Vitara – ideal for Dublin commuting and weekend driving
You can shop from a wide range of used cars in Dublin, making it easy to find the right car that suits your needs. For example, Kylemore Cars offers over 500 used cars for sale, and ZuCar allows you to shop by category or brand. ZuCar also provides a 5-day money back guarantee on used cars, giving you extra confidence in your choice.
What Affects Your Trade-In Value?
We’re often asked why similar cars can be valued differently. These are the main factors:
Mileage & Condition
Lower mileage helps, but a full service history is just as important. Well-maintained Irish cars always hold value better.
NCT Status
A valid NCT (or one due shortly) is fine. We assess cars fairly either way.
Irish Market Demand
Some cars simply perform better in the Dublin market. Small hatchbacks and compact SUVs tend to be strongest.
Outstanding Finance
If finance is still owed on your car, that’s no problem. The balance is settled as part of the deal.
Can You Trade In a Car That’s Still on Finance?
Yes. This happens regularly.
If your car is in negative equity (where finance exceeds the value), it can often be rolled into the new agreement. We’ll explain the figures clearly so you know exactly where you stand.
Transparency is key when arranging car finance in Ireland.
New Suzuki vs Used – Which Makes More Sense?
It depends on your driving habits and budget. If you’re considering buying a new car, timing your trade-in can make a difference. Seasonal factors, such as trading in before the main registration periods in January and July, can influence the value you receive for your trade-in.
New Suzuki Finance
Best if you want:
- Flexible finance options tailored to your needs, including finance cash select type
- Predictable monthly repayments
- Full manufacturer warranty
- Lower running costs
The Suzuki Vitara and S-Cross are especially popular with Dublin drivers balancing city traffic and motorway use.
Used Suzuki Finance
Ideal if:
- Your trade-in covers most of the deposit
- You’re upgrading from an older car
- You want a lower upfront cost
We often see customers surprised by how new a used Suzuki they can afford once their trade-in is included.
Finance Options Available with a Trade-In
Trade-ins can be used with:
- Tailored dealer finance options including finance cash select type
- Personal Contract Plans (PCP)
- Hire Purchase (HP)
A trained team member will assist you throughout the finance and trade-in process, ensuring all your questions are answered.
Each option suits different driving patterns and ownership plans.
What About VRT, Tax & Revenue Rules?
If you’re trading in an Irish-registered vehicle, VRT usually isn’t an issue.
Imported cars, including UK imports, are subject to Revenue rules. We’ll guide you through the process.
Why Dublin Drivers Choose Trade-Ins
We regularly see South Dublin drivers trading in because:
- Insurance costs can drop with newer safety features
- Fuel efficiency matters more in stop-start traffic
- City driving increases wear and tear
Dealing with knowledgeable sales staff can make a real difference—positive customer service, as highlighted in Kylemore Cars reviews, helps ensure the trade-in process is smooth and stress-free.
Add Irish weather into the mix, and modern safety tech and hybrid systems become even more valuable.
Our Advice Before You Trade In
Before visiting:
- Be honest about condition
- Know if finance is outstanding
- Bring your logbook
We’ll take care of the rest.
Selling or Trading In Your Car Made Simple
Our team at Gerry Caffrey Motors is here to help you every step of the way. From valuation to paperwork, we ensure a smooth process. You can fill out our online appraisal form to receive an offer quickly and securely.
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How to Adjust Your Trade-In Offer
If you feel the initial trade-in offer does not fully reflect your car’s condition or market value, you can request an inspection adjustment. Minor repairs or improvements before appraisal, such as fixing lights or cleaning the interior, can help increase the value. Our team will work with you to ensure the offer suits your expectations and the current market.
Use Our Online Calculator
To help you estimate your car’s trade-in value before visiting, try our online calculator. It takes into account mileage, condition, and market demand, giving you a realistic starting point.
Hundreds of Customers Served Monthly
Gerry Caffrey Motors serves hundreds of customers every month, helping them find the best deals for their trade-ins and new vehicle purchases. Our business is built on trust, transparency, and customer satisfaction.
Visit Our Home in Terenure
We invite you to visit our home dealership in Terenure, Dublin 6W, where our friendly team is ready to assist. Whether you want to click through our online stock or come in person, we make the process easy and convenient.
What to Do if You’re Unable to Access Our Online Form
If you encounter issues such as being unable to submit your details due to a security service block caused by malformed data or other performed triggered events, please contact us directly. We will help resolve these problems to ensure your trade-in process goes smoothly.
Protecting Your IP and Data
Our website protects your IP and personal information with advanced security measures, ensuring your data is safe throughout the trade-in and finance process.
Bluegate Car Store and Other Trusted Dealers
In addition to Gerry Caffrey Motors, Dublin drivers can also consider other trusted dealerships like Bluegate Car Store, part of the Frank Keane Group with over 50 years of experience. Bluegate offers a wide range of quality used vehicles and flexible finance options to suit various budgets. Their knowledgeable team can help you find the car that best suits your needs and budget, making the trade-in and purchase process seamless.
Get in Touch Today
Ready to trade in your car or explore finance options? Get in touch with our expert team at Gerry Caffrey Motors or visit our dealership in Terenure. We’re here to answer your questions and help you find the perfect next car.
Considering an upgrade to a Suzuki? Drop by Gerry Caffrey Motors in Terenure, Dublin 6W, and discover the value your trade-in can bring you.