With Car Finance you borrow the money to buy your dream car and avoid paying upfront, but with a personal loan you could use the money to buy it from the dealer yourself.
Lending is subject to status and additional affordability checks. You must be aged 18 or over, be a UK resident, be registered for internet banking and have held a Bank of Scotland personal current account for a minimum of 3 months.
To apply for a Personal Loan you must have held a Bank of Scotland personal current account for a minimum of 1 month.