Car Finance plus
Getting behind the wheel of your dream car is easier than you might think. Get a no-obligation quote with no credit searches.
Car Finance Calculator
Enter how much you want to spend and find the term and deposit that suit your budget.
How does car finance work?
With Car Finance Plus, you borrow against the car you re buying. We ll pay the dealer directly when you ve agreed all the details, so you don t need to worry about the upfront cost.
Get a great rate of 3.5% APR representative when you borrow from 7,500 to 60,000.
Watch our quick video to find out more on how car finance works with Bank of Scotland.
Our car finance features
- Get a no-obligation quote with no credit searches
- Applying online is simple
- Majority of UK dealers covered
- Re-pay early at no extra cost.
You can apply if you’re:
- a Bank of Scotland personal current account holder (minimum 3 months)
- registered for Internet Banking
- aged 18 or over
- a UK resident.
Your car finance options
Car Finance Plus offers you the choice between two options:
- Fixed Car Finance (hire purchase), with fixed monthly repayments until the end of the term, and then you own the car afterwards
- Flex Car Finance (personal contract purchase), where you make low fixed monthly repayments and it s up to you whether you return the car at the end, or pay a final lump sum to own it (return conditions apply).
Pick your type of finance
Our two finance options give you the freedom to pay for your car the way that suits your budget.
Prefer a different route?
You could also take out a personal loan and buy the car from the dealer yourself.