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Buying a Family Car – Affordability & Comfort

Pictured: Donal Murphy, Managing Director of Bluestone Finance.

As the country reopens, the picture is one of cautious optimism for consumers, businesses, and politicians. Even though people are hoping for the best, there is a strong sense of thoughtfulness that will undoubtedly guard people’s behaviour as we enter the ‘new normal’.

One of the freedoms people are now enjoying is travel and the opportunity to visit family and friends and, for some, the ability to return to socially distanced workplaces. One evident change from the pre-Covid era is a reticence to use public transport. It means more people will be looking to buy a car, and in the spirit of prudence, it is used cars that many people are turning to - this is especially likely to be valid for growing families who need a bigger car.

The pressure is always on family budgets, but the last year may have stretched things even further for many. The desire for extra space, comfort, reliability, and, of course, safety has to be matched with affordability. For many families borrowing money to buy their next car affordably will be an essential consideration.

In the face of economic uncertainty, the pandemic ensured that many businesses became risk-averse. Banks were amongst those and the Central Bank of Ireland reported recently that the last year did see ‘some tightening in credit supply’ Added to this has been recent news that KBC and Ulster Bank plan to exit the Irish market. Some families may be wondering if and from whom they might be able to borrow to get that used car.

The potential answer comes from a challenger finance business that, having entered the Irish motor finance market in 2014, is committed to growth.

Bluestone Motor Finance is helping families across the country to buy their next or even first car by combining digital expertise and personal service. It is, as Bluestone Motor Finance’s Managing Director Donal Murphy notes, a human approach;

“We combine digital lending expertise with practical human underwriting, working harder to help people buy the car they want in a responsible, affordable manner. Where appropriate, we can work with car buyers and dealers to match a budget to a car. It is a personally tailored approach that is also available to people who may have found it difficult to get finance previously or fear that access to finance may be problematic.”

The journey to that next family car can start online. People can discover Bluestone’s finance options and their next car at It is even possible for people to get car finance approval without stepping foot on a forecourt. As Donal concludes;

“Cars built for a family tend to be more expensive than smaller city cars, so people’s budget may need to stretch further. Setting and sticking with a budget is essential. Using the handy online tools at, families can search for a car, remain within their budget and receive a quick decision with the reassurance that their application will be personally assessed by a member of our skilled underwriting team.”

Check out cars with Bluestone Finance options available.


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