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In recent years, the car industry has witnessed a substantial shift in the way consumers purchase cars. Over 90% of new cars now find their way to our driveways through various car finance options. These financing agreements offer flexibility and often require smaller upfront payments, making them a preferred choice for many.

NEA are concerned that the ‘perfect storm’ of higher energy prices, reduced incomes, and leaky, inefficient housing could put many households in Northern Ireland at increased risk of fuel poverty. These increases come at a time when many household budgets are already stretched thin.

This factsheet gives an overview of how each option works and how it could affect you if you decide to choose one of these options. For further details on each option, visit the specific factsheet.

This factsheet is to help you if your circumstances change and you are left with no money to pay off your debts. It provides information to determine if asking for the debt to be written off could be an option for you. It will also help you explore how to approach your creditors with a write-off request.