Hire Purchase: Flexi-Buy

Flexi-Buy has all the traditional benefits of hire purchase, with the added flexibility of an optional annual payment of up to 20% of your remaining balance – without incurring any penalty charges. You can repay your finance quicker and reduce your overall interest costs. Terms and conditions apply*.


* Please note that we are no longer able to offer this product to natural persons (including sole traders and partnerships) in Ireland.

Key features

You own the vehicle                               Fixed payments                                          Accurate budgeting                            
A flexible deposit and repayment programme Shows the vehicle as an asset on your balance sheet Tax-writing down allowances available                 
VAT fully reclaimable         Interest charges allowable against tax                                                      Balloon payments available                                                             
Extra payments to help speed up your finance repayment process Reduces your cost of finance overall  

FLEXI-BUY explained

Contact us

Get in touch if you have any questions about our products and services, or to request a quote.


Answers to frequently asked questions about your finance agreement, updating details and more.


Download your copy of the Hire Purchase Flexi-Buy product guide that explains the key features of the product. 

*Terms and conditions apply. Finance is only available for business use where the amount borrowed exceeds €25,000. All applicants must be based in the Republic of Ireland. The granting of credit is subject to status and must meet certain credit criteria.

Scania Flexi-buy: Payment instalments must be up to date at the time you give notice for a Flexi-buy payment. A maximum of one Flexi-buy (“additional” Hire Purchase) payment in each year of your agreement with us is permitted, up to the value of 20% of the remaining balance. Flexi-buy payments are not allowed for the first six months of the agreement. A €295 flat fee is required at the start of the agreement in addition to the standard arrangement fee. A €50 plus VAT administration fee, per vehicle, is incurred for any additional payments made each year.

Please note that Scania Finance Ireland Limited no longer provides the following products to natural persons (including sole traders and partnerships) in Ireland: Hire Purchase, Finance Lease, Operating Lease, Flexi-Buy and Freedom. Existing customers that are affected by this change will receive information from us.  If you think you might be affected, please contact us or get in touch with your local representative.