Life Moments

Buying
a car

Buying a car

Buying and financing your new car... we'll steer you in the right direction.

Tips for buying a car

The first thing you need to do is get your finances into order. Work out a budget and stick to it. Decide whether a personal loan or cash will work best for you - we can help with that. 

If you're buying a used car remember to:

  • Keep on top of used car market prices 
  • Inspect the car carefully 
  • Bring a friend who knows a bit about cars
  • Take a test drive
  • Negotiate the best deal
  • Make sure the deal is in writing 
  • Transfer the money online or via banker's draft to the seller 

Check out more car buying tips from the professionals at The Car Expert

Car loans

Need a little help to get you into the driving seat?

You could borrow between £7,500 and £19,950 at our rate of Representative 3.4% APR.  

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. To apply, you must be 18+ and a UK resident with either a Royal Bank of Scotland current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.

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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.

Saving for a new car? Try our fixed rate cash ISA

Save towards your dream car with us for one or two years and you won't pay any tax on your interest. To start saving, read more about our cash ISA.

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