The Car Loan Promissory Note is a crucial document in vehicle financing transactions under Irish law, typically used when an individual or business borrows money specifically to purchase a vehicle. This document serves multiple purposes: it evidences the debt, establishes the repayment terms, and creates a security interest in the vehicle. The note must comply with Irish financial regulations, particularly the Consumer Credit Act 1995 and the Consumer Protection Code 2012. It includes essential information such as the loan amount, interest rate, payment schedule, vehicle details, and consequences of default. The document is designed to protect both the lender's interests by securing the debt against the vehicle and the borrower's rights by clearly stating all terms and conditions as required by Irish consumer protection laws.
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1. Parties: Identification of the Lender and Borrower with full legal names and addresses
2. Background: Brief context of the loan purpose and the vehicle being financed
3. Definitions: Key terms used throughout the document including 'Principal Sum', 'Interest Rate', 'Payment Date', etc.
4. Promise to Pay: The core promise to repay the principal sum with interest, including the total amount
5. Loan Terms: Details of the loan amount, interest rate, payment schedule, and term of the loan
6. Payment Terms: Specific details about payment methods, dates, and installment amounts
7. Security Interest: Declaration of the vehicle as collateral for the loan
8. Vehicle Details: Specific information about the financed vehicle including make, model, VIN, and year
9. Default Provisions: Consequences of missing payments or other defaults
10. Representations and Warranties: Borrower's confirmations regarding their ability to repay and vehicle ownership
11. Insurance Requirements: Mandatory insurance coverage for the vehicle
12. Governing Law: Specification of Irish law as governing law and jurisdiction
1. Co-Signer Provisions: Used when there is a co-signer guaranteeing the loan
2. Early Repayment Terms: Include when early repayment options are offered
3. Variable Interest Rate Provisions: Required if the loan has a variable rather than fixed interest rate
4. Cross-Collateralization: Include if other assets or loans are cross-collateralized
5. Electronic Payment Authorization: Used when automatic payments are set up
6. Privacy Notice: Additional privacy terms beyond standard data protection clauses
7. Late Payment Fees: Include if specific late payment penalties apply
1. Schedule A - Payment Schedule: Detailed amortization schedule showing all payments, interest, and principal
2. Schedule B - Vehicle Description: Detailed description of the vehicle including photographs and condition report
3. Schedule C - Insurance Requirements: Specific insurance requirements and minimum coverage amounts
4. Appendix 1 - Key Information Document: Consumer credit information required under Irish Consumer Credit Act
5. Appendix 2 - Direct Debit Mandate: If applicable, the direct debit payment authorization form
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