The ’23‘ 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 are looking to treat yourself to a shiny new set of wheels, we don’t think you’ll find a better rate than our fantastic 3.9% APR Car Loan. So before looking elsewhere, find out what you could be paying with your credit union.
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.
These figures are for illustrative purposes only to give an overview of the potential cost of borrowing:
| Loan Amount | £5,000 | £10,000 | £20,000 | £30,000 |
| Term (months) | 48 | 36 | 48 | 60 |
| Monthly Repayment | £113 | £295 | £450 | £551 |
| Total Paid | £5,403 | £10,607 | £21,620 | £33,045 |
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
The Scotwest Car Loan is available at an amazing rate for borrowing between £3,000 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.
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:
*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
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
Login & apply via online banking
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
