With the planet under increasing threat due to climate change, here at Scotwest we are committed to supporting our members’ choices as they look towards a ‘Net Zero’ future. We are therefore delighted to introduce our Green Car Loan for Scotwest Members looking to contribute to a greener, cleaner roadspace.

At one of our lowest rates of 6.5%APR, this loan is available for electric or hybrid vehicles only – please ensure that the vehicle you wish to borrow for is eligible. You can check the fuel type using the vehicle registration number here: www.gov.uk/check-mot-status

  • 6.5% representative APR
  • Loans between £10,000 – £30,000
  • Applies to new or used electric or hybrid vehicles only.
  • Include the installation of your home charging point with the loan (to the maximum of £30,000)
  • Maximum Term 7 years (84 months)
  • Scotwest will pay your dealer direct – hassle free!
  • No arrangement fees or hidden costs
  • Includes Free Scotwest Loan Protection Benefit for up to £15,000 – find out more

Scotwest Members can apply online at any time using online banking here.

Don’t worry if you are not already a member – as long as you live or work in the west of Scotland*, Dumfries & Galloway, Highlands, Perth & Kinross, Stirling, Falkirk or Clackmannanshire you can apply and join at the same time by calling 0141 227 2390 or filling in our online membership form here.

Every loan application is carefully and individually assessed; decisions are based on a range of factors, always considering your income and expenditure and ability to repay.

Processing time for all Loan Applications is currently 4-5 working days.

Borrowing Examples

These figures are for illustrative purposes only to give an overview of the potential cost of borrowing:

Loan Amount £15,000 £25,000 £30,000
Term (months) 48 60 84
Monthly Repayment £354 £487 £443
Total Paid £17,012 £29,216 £37,189

APR 6.5%. You can use our Green Car Loan Calculator to estimate what your payments could be then apply online below or call 0141 227 2390.

New to Electric?

The RAC have produced a great buyers guide to electric cars from the different types, the costs of running, charging your car and more (including reviews of the latest cars). Read the guide here.

Charging your Electric Car

Speaking of charging, there are various guides on where to find charging points in public spaces around Scotland including a guide to where free charging points can be found.

ChargePlace Scotland | Scotland’s Public EV Charging Network

Free EV charging points: Where are they all? – Zap-Map

You can also install a charge point at your home – the cost of which is often included in the cost of your vehicle as part of a package with the dealer. Alternatively you could include the cost of the installation with your Scotwest Green Car Loan as long as you stay within the £30,000 loan limit, See the RAC guide here.


Green Car Loan Terms and Conditions

At Scotwest, we help members who are struggling with their Scotwest loans. If you are experiencing debt problems, make sure that you get help straight away by speaking to your lender in the first instance before it spirals out of control. You can read guides on borrowing money and take the Debt Test from the team at Money Advice Scotland on our website here: scotwest.co.uk/borrowing-money

*This includes: Argyll & Bute, East Ayrshire, East Dunbartonshire, East Renfrewshire, Glasgow, Inverclyde, North Ayrshire, North Lanarkshire, Renfrewshire, South Ayrshire, South Lanarkshire and West Dunbartonshire.

Apply for a Loan

Current Members

Login & apply via online banking

Not yet a Scotwest member

You can now apply for membership of Scotwest together with a loan online at any time. Our Member Service Advisors can also take your application over the phone.

Call us on 0141 227 2390