A loan for the car you've been dreaming of
Representative 3.9% APR
About Royal Bank of Scotland car loans
A car loan from Royal Bank could help you spread the cost of a new or used car you always wanted.
It's easy to apply online. You can get a quote at the start of your application and then decide if you want to take out a loan or not.
In most cases, you could get your loan on the same day if you apply and are unconditionally accepted before 5.45 pm Mon – Fri.
To apply, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
Loan repayment terms
The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.
Find a little flexibility with our repayment holiday
When you apply for a loan, based on your circumstances, we might give you the opportunity to defer your first repayment.
- It's only available at the start of your loan term
- You can defer your first loan repayment for a three month period
- If this option is available to you, we'll show the details of your repayment holiday during the quote stage of your application
What to know about a car loan
Money in your account quickly
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Let's get ready to apply
Before you apply, we need to check you're happy with a few things.
First, you can apply online if you:
- are 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
- have not been declared bankrupt in the last 6 years
- have not applied for a personal loan with us within the last 28 days