Car finance help and guidance

Read our handy guides to find out more about car finance and how to manage your account online.

Car finance made easy

Our short video explains the essentials of car finance, including:

  • how car finance works with Bank of Scotland
  • the differences between Fixed Car Finance and Flex Car Finance
  • what to expect when you apply.
  • So you know how car finance works, but did you know you could get it from your bank?

    With our Car Finance Plus you can explore different borrowing and deposit amounts against both flex and fixed car finance to find the best quote for you on our personalised car finance calculator... plus you can do the entire process online or on your smartphone… and as soon as you’ve selected the car, go online to complete your quote.

    Once you’ve been accepted, we’ll pay the dealer directly!

    We cover the majority of UK dealerships so you’ll have a wide choice of new and used cars.

    Log on to internet banking, select a car and finance option, and then get a quote in seconds!

    Log on to find the right car finance option for you.

Good condition guide

Taken out Flex Car Finance and want to return your car? This guide will help you avoid return charges.

Our guide explains: 

  • what to expect at the end of your contract
  • servicing and repairs of your car
  • what is reasonable wear and tear
  • how to carry out an inspection on your car
  • what needs to be included when you return your car

Electric car guide

If you’re thinking of going electric with your next car, it’s good to know what the facts are before you start. 

Our useful guide covers:

  • the difference between electric and hybrid cars
  • the features and benefits of electric and hybrid cars
  • details on keeping an electric car on the road

Car finance frequently asked questions

Check out some of the most frequently asked questions our customers have. 

See our frequently asked questionsSee our frequently asked questions

Additional help and support

Visit our contact & support pages to see how we can help you manage your money. You can also find links to free and independent advice on our Money worries pages.

Contact us

If you want to speak to someone about your car finance, you can call Bank of Scotland on 0333 202 7968.

Lines are open from 9am – 5pm Monday – Friday, 9am – 1pm on Saturdays and closed on Sundays.

Existing customers

Take greater control of your Bank of Scotland online car finance account in just 3 simple steps.

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.