Frequently Asked Questions

General

What is Loanitt and how does it work?

You apply once online. We compare multiple lenders and show you your best options — then handle everything through to completion.

Why use Loanitt instead of going direct?

Going direct gives you one option. Loanitt gives you access to multiple lenders, improving your chances of approval and helping you secure a better deal.

How quickly can I get approved?

Decisions can take minutes. Full approval depends on your details and documents, but can often be completed quickly.

Who are the lenders you work with?

We work with a panel of leading lenders in Ireland, each with different criteria — allowing us to match you with the most suitable option.

Do I apply to multiple lenders?

No. You apply once with Loanitt — we handle the rest.

What documents will I need?

Typically ID, bank statements, and proof of income. We’ll guide you through exactly what’s needed.

Will my credit history be checked?

Yes. Lenders will assess your credit profile as part of the application.

What if I’ve been declined elsewhere?

You can still apply. Different lenders have different criteria — that’s where Loanitt adds value.

Does Loanitt charge a fee?

No. Our service is completely free — we’re paid by our partners.

Is Loanitt regulated?

Yes. We are authorised and regulated in Ireland.

How do I get started?

Apply online — it takes less than 2 minutes.

How do I contact you?

You can contact us online or by email and a member of the team will get back to you.

Car Finance

How does car finance work with Loanitt?

You apply online, get approved, choose your car, and we arrange everything with the lender and dealer through to payout.

Do I need a car picked before applying?

No. Many customers get approved first so they know exactly what they can spend.

How much can I borrow for a car?

This depends on your income, outgoings, and credit profile. We’ll match you with lenders based on your situation.

Can I trade in my current car?

Yes. Your trade-in can be used as part or all of your deposit.

Can I get car finance with poor credit?

Yes, depending on your situation. We work with lenders who consider a range of credit profiles.

Asset Finance

What can I finance?

Commercial vehicles, machinery, agricultural equipment, and equine purchases.

How does asset finance work?

We assess your details, match you with suitable lenders, and structure the finance around the asset you’re purchasing.

Is asset finance different from car finance?

Yes. Asset finance is tailored to business or agricultural use and is structured differently depending on the asset and usage.

What do I need to apply?

Basic personal or business details, income information, and details of the asset.

Mortgages & Insurance

Can Loanitt help with mortgages?

Yes. We compare multiple lenders for new mortgages and switchers to find your best option.

Do you offer insurance?

Yes — including Life Insurance, Mortgage Protection, Income Protection and Serious Illness cover.