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How our car finance works
We've created a simple way for you to buy a new or used car
1. Calculate your options
Log in to Internet Banking and use our personalised calculator to choose an option that suits you.
2. Get an instant decision
Enter the details of the car that you want and we'll give you a quote showing you how much you'll pay and as we already know you - this will have no impact on your credit score.
3. Complete and we pay the dealership directly
Once you've agreed your collection date with the dealership, simply log back into Internet Banking, enter the dealerships bank details, and we'll send the money directly to them.
It really is simple, and once we've paid the dealership, you can arrange to pick up your car.
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.
Get a quote for car finance
You can apply if you’re 18 or older, a UK resident and have had a current account with us for at least 3 months.
Credit is subject to status and additional affordability checks.
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Car leasing
Consider leasing a new vehicle without a long-term commitment. Enjoy flexible terms and drive a car that fits your needs.
Car refinance
Take out a new finance agreement to pay off the remaining balance on an existing car finance loan.
Car finance options
Explore your car finance options. Pick from Personal Contract Purchase (PCP), Hire Purchase (HP) or car leasing.
