Your car finance options

Pay for your car your way

Car Finance gives you two types of finance to choose from, Fixed Car Finance (hire purchase) and Flex Car Finance (personal contract purchase). Pay for your car the way that’s best for you.

Already got a car on finance, but want to switch providers?
Moving to our Fixed Car Finance could also help you lower your monthly repayments without changing your car, or pay your final lump sum over an affordable term.

What we need during the application:

Dealer or current finance provider's name and postcode.
Car registration number.
Current and expected yearly mileage.
Total price and deposit amount.
Your monthly income.
Your mortgage/rent payments and regular spending.
Existing car finance details (if you have any).

For new cars, we’ll also need:

The delivery date.
Full vehicle details if you don’t know the registration yet.

What happens afterwards?

You’ll be given a decision straight away, which is valid for 90 days.
You’ll need to provide the dealer’s or existing finance provider’s bank details. so we can transfer the money after you’ve signed the paperwork. It might take a few hours for this to go through.
Payments made after 3.30pm will be with them before 12pm the next working day (Mon-Fri).
There’s no obligation to go ahead after you’ve been accepted, and your credit rating won’t be affected if you change your mind.

Bank of Scotland plc. 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 number 169628.