If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. To help find the right solution for your needs you can use our coronavirus support tools for credit cards and loans and for Halifax mortgages. If you have a Bank of Scotland mortgage, find out more here.

Coronavirus (COVID-19) support

If you’ve been financially affected by the coronavirus (COVID-19) outbreak, we have support available relating to payment holidays, what options you have with your car finance agreement and managing your account online.

Support available

Car Finance Calculator

Enter how much you want to spend and find the term and deposit that suit your budget.

Calculate your repaymentsCalculate your car finance repayments

How does car finance work?

With Bank of Scotland Car Finance, you borrow the money to buy a car of your choice. We’ll pay the dealer directly when you’ve agreed all the details, so you don’t need to worry about the upfront cost.

Get a great rate of 3.8% APR Representative when you borrow from £7,000 to £25,000.

Watch our quick video to find out more on how car finance works with Bank of Scotland.

Credit is subject to status and additional affordability checks.

Our car finance features

  • Get a no-obligation quote with no credit searches
  • Applying online is simple
  • Majority of UK dealers covered
  • Repay early at no extra cost.

You can only apply if you're:

  • a Bank of Scotland personal current account holder (minimum 3 months)
  •  registered for Internet Banking
  • aged 18 or over
  • a UK resident.

Your car finance options

Car Finance Plus offers you the choice between two options:

  • Fixed Car Finance (hire purchase), with fixed monthly repayments until the end of the term, and then you own the car afterwards
  • Flex Car Finance (personal contract purchase), has lower monthly repayments than a HP agreement and it’s up to you whether you return the car at the end, or pay a final lump sum to own it (return conditions apply).

Pick your type of finance

Our two finance options give you the freedom to pay for your car the way that suits your budget.

Compare finance options

Prefer a different route?

You could also take out a personal loan and buy the car from the dealer yourself.

Compare finance and loans

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