'Pay-as-you-drive' on rise
Meanwhile, the 'select' share of BMW/MINI finance business is running at 38pc. This is up from 22pc in 2012, and from less than 10pc in 2011.
Suzuki had a 20pc take-up (high for the industry) on its Swift supermini deal, which involved a 40pc deposit and nothing to pay at the end – no balloon payments.
On an individual outlet basis, one in every two new cars sold at Frank Keane Blackrock, for example, is on BMW's finance deal. That is up from 17pc last year.
According to Paula McDermott, business manager with the company: "The Irish mindset of owning your own car outright has shifted. The idea of paying for your car as you use it instead of owning your car outright has become extremely popular."
While the finance deals may be in place, the underlying malaise of low sales shows no sign of abating, with some dismal figures being quoted for the first half of the month.
Industry figures are growing increasingly despondent at the way the market is going, with predictions of 70,000 and lower being mentioned.
That would represent a fall of 10,000, or more, on last year's registrations.