Frequently Asked Questions

Two very popular options of vehicle finance are personal leasing, also known as Personal Contract Purchase (PCP), and Personal Contract Hire (PCH).

In essence, both involve long-term rental of a new vehicle, with some used car dealers now offering PCP on used cars. Unlike PCP, leasing the car through us here in Nifti doesn’t give you the option of owning the car at the end. If you do want to own the car, PCP might be the better option for you, but be prepared for a hefty lump fee (balloon payment) at the end of your deal to secure ownership.

Read our full article on deciding which option is best for you.


We will run a standard affordability check on all applications. Once the application is completed through our website, we will also require the following documents: copy of your driver’s license, utility bill, 3 months bank statements and 3 months payslips.

Please submit all documents in PDF format.

Yes, once you submit you application online and send us the required documents, our finance partner will complete a credit history with the Central Credit Register. 

No. You will need to tax the vehicle in the usual way, and before starting your personal lease, you must insure the vehicle under a fully comprehensive policy.

Allianz provides 18% OFF Car Insurance for Nifti Customers. Find out more here.

This depends on vehicle availability. On average it takes 21 days from the date when the order is placed for the car to be delivered. Our customer service team works with our suppliers to ensure delivery is as prompt as possible and we will keep you fully updated throughout the process.

The number of kilometres used per year has a big impact on the lease-end value of your car. As such, the selection of an accurate yearly kilometre allowance during your application is important as it determines how much your monthly cost will be. If
you are unsure, an average 15,000km per annum is a good starting point for city centre driving. You may need to adjust that based on other factors, including
your driving style and your home and/or work location.

It’s simple! If you think you will  exceed your selected kilometer allowance, just  contact us before it happens. If you do go over the agreed allowance,  there will be an excess fee of €0.12c per additional kilometer . Nifti will check in once a year to record your kilometers and help you to avoid surprises or hidden costs at the end of your personal lease agreement.

No, the vehicle will remain the property of the lender at all times.

Think of leasing as like long-term car rental. You are only paying for the use and value of the car for the period you have it.

This is where the flexibility of leasing comes in. We offer 24, 36 and 48 month leases
for all of our vehicles, enabling you to adjust your fixed monthly payment based on the budget you have in mind for your new car.

Yes, you will need to maintain the vehicle in line with the vehicle manufacturer’s guidelines. However, all the cars we lease are brand new, so when you lease a car from Nifti you are automatically fully covered by the manufacturer’s warranty as standard. In addition to the manufacturer’s warranty, you may also choose to include a maintenance package. A Nifti maintenance package includes standard service & maintenance as per the manufacturer’s guidelines and replacement tyres (fair wear & tear).

All vehicles come with full manufacturer warranty for peace of mind. Please see your manufacturer’s warranty for breakdown assistance contact details.

If you need to contact Nifti, our Driver Support team is available between 8am and 5:30pm, Monday to Friday on  +353 1 4198373 (+ Option 1)

Accidents happen. The most important thing is that you are safe.  After speaking with your insurance company, please contact the Nifti Driver Support Team on +353 1 4198373 (+ Option 1) to chat through the details of the accident.

We are here to help. Please contact the Nifti Customer Support Team on +353 1 5691154 and we will assist in any way possible.

If your personal lease agreement is terminated early, you must pay a sum which is equal to 40% of the future instalments plus any arrears.

Have any questions?
Contact Us.

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