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.

Ready to see how much your next car could cost?

Log in & apply