The new ’25‘ registration plates are here. But you don’t have to be looking for a brand new car to take advantage of the Scotwest Car Loan!

Whether you are looking to get a great deal on something pre-loved or you’re treating yourself to a shiny new set of wheels, don’t forget about your credit union’s exclusive car loan!

• 7.5% representative APR (Interest Rate 7.25%)

• Loans between £10,000 – £30,000
• 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.

Please note from 22 May 2025 we will not be accepting loan applications from new members. Our online membership form will reflect this as soon as possible but any loan application completed on this form will not be processed. We are sorry for any inconvenience this may cause.

Processing time for loans is currently eleven working days.

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.

 

Borrowing Examples

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

Loan Amount	£10,000	£20,000	£30,000
Term (months)	36	48	60
Monthly Repayment	£310	£481	£597
Total Paid	£11,157	£23,100	£35,855

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

“Scotwest loans has helped me to buy two top of the range jaguars back to back. I named them Charlie and Charlie II after my friend who introduced me to the credit union. People ask me how I can afford these big fancy cars and I tell them – Scotwest.”
Scotwest Member Colin Hogg

Tips on Buying  A Car

The Scotwest Car Loan is available at an amazing rate for borrowing between £10,000 and £30,000 and we’ll take care of all the finance leaving you more time to find the right car following these tips!

Buying New
There’s little more exciting than buying a brand new car but think carefully about what could be one of the largest purchases you will make. CarBuyer.co.uk has provided a vital list of tips on buying shiny and new here.

Buying a Used Car
Choosing pre-loved over new can save you thousands of pounds. The brilliant Money Saving Expert site has 20 tips for buying used from essential checks, test drive checklists and much more here.

The Fine Art of Haggling
Did you know that 64% of hagglers are successful in getting a better deal? Thanks to Money Advice Service for that fact and these great tips on bartering with your dealer.

Not a Member?

This amazing offer is only available to members of Scotwest Credit Union but joining is simple and straightforward. You can apply to become a member if you:

• live or work within the West of Scotland*, Dumfries & Galloway, Highlands, Perth & Kinross, Falkirk, Clackmannanshire and Stirling
• work for one of our Select Employer Partners
• a Young Scot Card holder aged 18 or over

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

You can apply for the Car Loan and join at the same time by calling our Member Services Advisors on 0141 227 2390

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