Car leasing

A simple way to drive a brand-new car at a monthly cost that suits you.

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Features and benefits

Why you should consider car leasing with us. Exclusive to Bank of Scotland current account customers.

Get a quote online

Find out if you can lease a car with us online. Getting a quote won't impact your credit score.

Select your ideal car

Choose from thousands of brand-new models from more than 30 manufacturers. Pick the options you want – the colour, interior trim and any extra features.

Delivered right to you

Get your car delivered to your door, at the perfect time for you. And there's no charge.

    • At the end of the term, just hand back the car. No need to worry about selling it or negotiating a trade in with a dealer.
    • You can lease a car for between 2 and 5 years. Select a lease period and mileage limit that suits you.​
    • For peace of mind, you can add a maintenance and breakdown package to your monthly rental. This includes routine servicing, tyres, replacement parts due to fair wear and tear. 

    Once your lease is over, the car will be collected from you. If the car is in good condition and within the agreed mileage limits, you won't need to pay anything else. 

Electric car grant

 

Switch to electric for less

On 15 July 2025, the Department for Transport (DfT) announced a £650 million scheme to help with the shift to zero-emission vehicles.

  • Get up to £3,750 discount when you upgrade switch to electric.
  • All the paperwork is handled for you.

Grant details on GOV.UK

  • The grant amount depends on sustainability criteria set by the government. To qualify, all cars must have a recommended retail price below £37,000. Funding will be given on a first-come, first-served basis.

    The most eco-friendly cars, classified in band 1, can receive a discount of up to £3,750. Cars in band 2 will get a discount of up to £1,500.

    Car manufacturers, dealerships and the government will handle all the administration. That means you won't have to complete any extra paperwork.

 

Introducing car leasing

Find out more about how car leasing works (2 min 9 secs).

We also have a helpful car leasing guide that explains more.

Let's break it down

Who it's for

You can apply to switch your car finance to us if you:

  • are at least 18 years old
  • are a UK resident
  • have had a Bank of Scotland current account for at least 3 months.

Lending depends on your status and affordability checks.

How it works

  1. Pick your car and options in the app or online banking. 
  2. Select the length of your lease, yearly mileage limit and the initial rental amount you’d like to pay.
  3. Tell us a few details about you and your finances. 
  4. Once your application is approved, we’ll place your order with our network of dealers.
  5. Sign your leasing documents and wait for your car to be delivered.

Get a quote for car leasing

It takes minutes and doesn’t affect your credit score. Your quote is valid for 90 days and you won’t need to re-apply.

 

It's simple in the app

Scan the QR code to get it.

You must be registered for online banking to apply in the app.

Once you're in, select 'Apply', 'Loans and Car finance', then 'Car Leasing'.

Or you can register on our website.

 
 

Already bank online?

We'll take you to the right place to get started.
 

Log in to get a quote

It's simple in the app

You must be registered for online banking to apply in the app.

Once you're in, select 'Apply', 'Loans and Car finance', then 'Car Leasing'.

Get the app

Or you can register on our website.

Already bank online?

We'll take you to the right place to get started.
 

Log in to get a quote

A look at the details

  • We may do a soft credit check when we check your application. This won’t affect your credit score.

    The finance will only show on your credit file if your application is successful and once your agreement has been finalised.

  • You’ll get an email telling you the expected delivery date of your car.

    Most cars arrive within 4 months of placing an order, but there are some things that can affect when your car gets delivered. Part shortages and car availability may mean that it could take longer.

    Prestige cars or cars with multiple features may also have a longer delivery time.

    Pre-registered cars or in-stock offers may be ready for delivery sooner.

    We’ll track your order and tell you about any changes by email.

    The dealer will contact you when your car is ready. They’ll arrange a delivery time for the car to suit you. Deliveries generally happen between 9am and 5.30pm, Monday to Friday.

    You’ll only start paying when your car has been delivered to you.

    You’ll need to set up a direct debit as part of your lease agreement. Your first payment will come out once you’ve received your car.

  • The lease is provided by Lex Autolease. They work with a wide network of car dealers around the country. When you place your order, they’ll find a dealer to provide your car.

  • All car lease contracts include:

    • use of the car for the length of your contract
    • vehicle tax for the duration of the lease
    • free Great Britain mainland delivery
    • full manufacturer’s warranty.

    Manufacturer warranty

    • The warranty may expire before your contract ends, depending on the term you've selected.
    • Refer to the manufacturer handbook for details of what's covered in your warranty. 
    • If you've chosen a pre-registered car, the remaining manufacturer warranty will be passed to you.

    Optional maintenance package

    For peace of mind, you can also choose to include an optional maintenance package as part of your lease. This includes:

    • MOTs
    • routine services
    • replacing tyres
    • labour, parts and repairs
    • breakdowns.

    You can add the ‘with maintenance' option when getting your initial quote. Your monthly lease will be changed to include the maintenance cost for the full length of your contract. 

    The optional maintenance package can only be included in your lease when you make your online application. It can’t be added afterwards.

    Repairs or replacements from accidental or malicious damage, or damage caused by driver misuse or abuse are excluded. The car must be serviced in line with manufacturer’s guidelines and by an approved service dealer.

  • If you have a private registration or cherished plate that you’d like to have on your car, this shouldn’t be a problem.

    There will be admin fees to pay to add the plate and to remove it at the end of the lease.

    Contact us to discuss putting a personalised plate on your car and we’ll arrange it for you.

  • At the end of the lease, you won’t be able to own the car. Instead, you’ll hand the car back. If you want car finance that lets you own the car, explore our Personal Contract Purchase (PCP) or Hire Purchase (HP) car finance options.

    Some wear and tear is expected when you return the car. If any extra damage falls outside the BVRLA (British Vehicle Rental Leasing Association) Fair Wear and Tear guidelines, you may be charged.

    Good condition guide

Explore your options

We want to help you explore our other car finance choices. Here are some options that may work well for you.

Car finance options

Pay for your car your way. Getting an online quote won’t affect your credit score, so you can get as many as you need to find the best way for you.

Compare car finance options

Car refinance

Moving your existing car finance to Bank of Scotland could reduce your monthly repayments.

Car refinance

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Important legal information

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