Buying a new car
- Set a budget and stick to it
- Review different models and brands
- Ask your friends and family for advice
- Check online for reviews
- Do a price comparison with other dealers
- Prepare a list of questions for the dealer
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Buying a used car
- Set a budget and stick to it
- Do your research on the car market and prices
- Inspect the car carefully and take a test drive
- Bring a friend who knows a bit about cars
- Try and negotiate a good deal
- Use a traceable method when paying for your car
Car financing options
Take a look at your different options and decide what suits your financial needs best before buying your car.
Am I able to borrow?
Use our loan calculator
If you're thinking about taking out a loan to buy your next car, use our calculator to see how likely you are to be approved, without affecting your credit rating.
Get a quick quote
It's good to check what your loan options are. You’ll receive a rate tailored to you, with no impact to your credit score.
To apply for a loan you must be, 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
Apply for a personalised loan
Need a little help to get you in the driving seat?
Apply online or via our app. Get a decision in minutes, along with a personalised rate, depending on your circumstances and how much you want to borrow.
You could borrow between £7,500 and £19,950 at our rate of Representative 3.9% APR.
Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.