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The Dealer Arranged Conditional Sale Agreement is a key document used in Irish vehicle financing transactions where a dealer facilitates the sale of a vehicle by arranging third-party financing. This document type is commonly used in both new and used vehicle sales across Ireland, structured to comply with the Consumer Credit Act 1995 and other relevant financial services regulations. It includes essential elements such as vehicle specifications, payment schedules, APR calculations, and statutory notices. The agreement creates a three-way relationship where the dealer sells the vehicle, the finance provider supplies the credit, and the customer makes regular payments while using the vehicle, with ownership transferring only after all payments are made. This arrangement offers security for the finance provider while giving the customer clear possession rights and the dealer protection regarding their role in arranging the finance.

1. Parties: Identifies the three key parties: the Dealer, the Finance Provider, and the Customer (Purchaser)

2. Background: Sets out the context: Customer wishes to purchase vehicle, Dealer arranges financing through Finance Provider, and nature of conditional sale arrangement

3. Definitions: Defines key terms used throughout the agreement including 'Goods', 'Total Amount Payable', 'APR', 'Payment Schedule'

4. The Goods: Detailed description of the vehicle/goods being financed including make, model, VIN, and any specific features or conditions

5. Purchase Price and Payment Terms: Details of the purchase price, deposit, amount financed, payment schedule, and APR as required by Consumer Credit Act

6. Title and Risk: Clarifies that title remains with Finance Provider until final payment while risk passes to Customer upon delivery

7. Dealer's Obligations: Sets out Dealer's responsibilities regarding vehicle delivery, condition, and warranties

8. Customer's Obligations: Details Customer's responsibilities including maintenance, insurance, and payment obligations

9. Insurance Requirements: Specifies mandatory insurance requirements and procedures for insurance claims

10. Default and Termination: Consequences of default, termination rights, and repossession procedures

11. Early Settlement: Customer's right to settle early and calculation of early settlement amounts

12. General Provisions: Standard clauses covering notices, amendments, assignment, governing law