Car Finance Calculator

Are you looking to buy a car? Our handy calculator helps you understand the monthly cost of a Fixed (Hire Purchase) or Flex (Personal Contract Purchase) Car Plan

THE VALUES IN THE CALCULATOR TABLE ARE FOR ILLUSTRATIVE PURPOSES ONLY. THE ACTUAL RATE YOU RECEIVE WILL DEPEND ON YOUR PERSONAL CIRCUMSTANCES, CHOICE OF PRODUCT, THE AMOUNT YOU WISH TO BORROW, THE DURATION OF THE AGREEMENT AND THE AGE OF THE CAR. TO SEE YOUR PERSONALISED RATE PLEASE LOG ON TO INTERNET BANKING.

Repayment term

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You can choose how many months you want to repay your car finance over. The longer the term the lower the monthly repayments, but the more you’ll pay in interest.

Months

Representative example:

You could borrow £11,000 over 48 months with 48 monthly repayments of £251.82. Total amount repayable will be £12,087.26 (including £10.00 purchase fee). Representative 4.8% APR, annual interest rate (fixed) 4.66%.

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Option 1
Fixed Car Plan(HP)
Finance amount
£
Monthly repayments
£
Total repayments
£
Term
 Months
APR
%
Optional lump sum
N/A
Option 2
Flex Car Plan(PCP)
Finance amount
£
Monthly repayments
£
£
Term
 Months
APR
%
£

For Flex Car Plan the final repayment of the term will be for the optional lump sum

You can apply if you're:

  • An existing Bank of Scotland personal current account holder (minimum 3 months)
  • Registered for Internet Banking
  • Aged 18 or over
  • A UK resident

Lending is subject to status and additional affordability checks.

Bank of Scotland plc is registered in Scotland No.SC327000.Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.