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With Car Finance, you borrow the money to buy your dream car and avoid paying upfront. Or with a personal loan you could use the money to buy it from the dealer yourself. If you want to drive a brand new car, without buying it, our new car leasing product might be right for you.

Car Finance

We’ll pay the dealer directly so you don’t need to worry about the upfront cost.

Exclusive features

  • Obtain a quote with no impact on your credit score.
  • Borrow from £3,000 to £60,000.

Keep in mind

  • You can’t sell the car until the finance is paid off
  • If you don’t keep up with the repayments, your car may be at risk.

Good if

  • Once accepted we pay the Dealer direct, so you can just collect the vehicle and maintain the monthly payments
  • You want to decide at the end of the term whether to keep the car or return it (return conditions apply)
  • You want extra peace of mind – we’ll work with you and the dealer to help settle any disputes.
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Personal Loan

You receive the money and can use it to buy the car yourself from a dealer or a private seller.

Exclusive features

  • Apply for up to two repayment holidays (your repayment term will be increased and you will pay more interest overall). Repayment holidays are available if you meet certain conditions.
  • Borrow from £1,000 to £50,000.

Keep in mind

  • In some cases, we may do a credit search when you apply
  • If you make an early settlement we may charge up to 58 days’ interest.

Good if

  • You want a loan which isn’t just for the car
  • You’d prefer to own the car from the start
  • You want to combine your debts into one loan to make it easier to pay them off.
Personal Loan

HP Representative example:

You could borrow £13,000 over 48 months with 48 monthly repayments of £306.05. Total amount repayable will be £14,700.40 (including £10 purchase fee). Representative 6.3% APR, annual interest rate (fixed) 6.09%.


We now offer Car Leasing

A long-term rental of a brand new car, paying the same amount each month and hand the car back at the end.

  • Choose from over 4,000 brand-new cars from more than 30 manufacturers
  • Fixed monthly repayments
  • 2-5 year terms available
  • No option to own the vehicle
  • You set the yearly mileage limit
  • Option to include a maintenance and breakdown package

Leasing is exclusively provided by Lex Autolease Limited. Bank of Scotland plc act as a credit broker not the lender.

Lex Autolease is one of the UKs biggest leasing companies. They have a fleet of over 270,000 vehicles, including more than 67,000 electric and alternatively fuelled vehicles.

Read more about Car Leasing

Get a Car Leasing quote

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If you're not sure which type of car finance is right for you, use our comparison tool to explore your options.

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