Car Loans

Steady pace or speed up? You choose with a loan from Bank of Scotland

With the option to pay back early, you're fully in control. Lending is subject to status.

Find out more

Is your car on its last legs? Maybe it's time for an upgrade or maybe you're now ready to buy your first car?

Whatever your reasons for buying a car, which we know can be costly, Bank of Scotland offers existing customers a range of loan amounts with fixed repayments, so you can budget with confidence. You can even get an instant online car loan decision.

Personal Loan

Flexible Loan

Who can apply

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month.

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month

APR Representative available on loans from £7,500 to £25,000 over 1 to 5 years*

3.9% APR

4.6% APR

Manage your loan

  • Internet banking
  • Internet banking
  • Branch

Paying off your loan early

If you make an early settlement we may charge up to 58 days' interest.

No charge to pay off your loan early for Flexible Loan customers.

Personal Loan

Personal Loan calculator

Flexible Loan

Flexible Loan calculator

*Other loan amounts between £1,000 and £50,000 are available at different rates.

If you’re an existing Bank of Scotland customer with a Bank of Scotland bank account (excluding Easycash) held for at least 1 month, you can get a personalised quote and apply online. You can still get a quote and apply if you have a credit card, a mortgage or a loan with us. Find out how with the Flexible Loan.

Other options

If you're looking to buy a car, you could also consider Bank of Scotland Car Finance Plus

Car Finance Plus