Why can't I get a car loan/finance?

The banks in Ireland have tightened their belts. In doing so they have probably made it harder to get loans. How is your relationship with your financial institution? Do you know the manager and lending officers etc? Have you had bounced cheques or other financial problems in the past that would shed a minor black mark against you? If not and your finances are good all through then maybe talk to the bank or other financial institution as to what the requirements are for getting a loan for vehicles and other things. This can't hurt and may make you aware of how tight money is with the banks. At least you'll know what you have to do to get a loan and can plan accordingly.