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Your car finance options

Whether you're looking to finance a new car, or switch your existing car finance from another lender, we have car finance options that could help. Eligible existing current account customers can generate a personalised quote by logging on to Internet Banking, with no credit checks required.

Flex Car Finance (PCP)

  • 5.9% APR representative when you borrow between £7,000 to £25,000.
  • Lower monthly repayments.
  • 1-4 year terms available.
  • Own the car by paying a final lump sum, or return it (return conditions apply).
  • No early repayment charges.
  • Yearly mileage limits
  • Funds are sent directly to the dealer.

Fixed Car Finance (HP)

  • 4.8% APR representative when you borrow between £7,000 to £25,000.
  • Fixed monthly repayments.
  • 1-5 year terms available.
  • Own the car when the agreement ends.
  • No early repayment charges or final lump sum.
  • Funds are sent directly to the dealer.

Car Refinance

  • Switch existing HP or PCP finance.
  • Online quotes and approval.
  • Choose to switch to either HP or PCP with us.
  • Keep your current car.
  • No early repayment charges on our finance.
  • Yearly mileage limits
  • Funds are sent directly to the finance provider.

How is car finance different to a loan?

With a loan, money is sent to your current account and you pay the dealer, seller or current finance provider yourself. You can choose the amount and term you want to borrow the money over. You’ll own the car as soon as you pay the dealer/seller.
With car finance, the money’s sent directly to the dealer, or the company you have your existing agreement with, rather than your current account. You can’t borrow more than you need for the car or finance settlement amount. You don’t own the car until you’ve finished repaying the finance.