Car loans – car loan calculator - Royal Bank of Scotland

A couple in their car

Car loans

A car loan could make
your dream a reality

Apply for a loan Find out if you're likely to be approved

We're now offering loans between £1,000 and £50,000.


Our lowest ever Representative 3.9% APR  for loans of £7,500 to £25,000.

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. Over 18s and existing Royal Bank current account customers only.

Why choose a car loan from Royal Bank?

Borrow between £1k and £50k
Spread the cost evenly over 1 to 7 years. £1,000-£14,950 repay over 1 to 5 years, £15,000-£50,000 over 1 to 7 years.

Fixed monthly repayments
Your monthly repayment won't go up or down throughout the duration of repaying the loan.

Funds next working day
If you use online banking, apply before 5.55pm Mon-Thur and have your loan unconditionally accepted. Sometimes we'll need to contact you for more information so it takes a little longer.

Use our loan calculator to work out the best loan for you

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.

Personalised Quick Quote
Add your signposting title here… Find out if you're likely to be approved

We'll show you how much you may be able to borrow

View your personalised interest rate and monthly payments

There's no impact on your credit rating

Personalised Quick Quote
A boy looking into a car window
Add your signposting title here… Buying a car guide

Our buying a car section has lots of helpful hints and tips on how to buy a car, including financing options, running costs, how to trade in or sell your current car and some useful car buying facts.

A guide to buying a car
Ready to apply?
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