Car finance calculator - Scotland

Amount to borrow

Must be between £3,000 to £40,000

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Assuming your credit profile is

Estimated payments

These estimates are subject to credit checks and may change when you apply for finance.

Hire Purchase (HP)
APR 6.9%

60 monthly payments of


Total charge of credit
Total amount payable
Personal Contract Purchase (PCP)
APR 6.9%

60 monthly payments of


Optional final payment
Total charge of credit
Total amount payable

Bad Credit Car Finance in Scotland

Financing a vehicle may not be as easy as one would think. If you need to find a car finance broker to help you with financing a car in Scotland, Carplus is at your service. Depending on your circumstances and preferences, our experts will find you excellent options to get car finance.

While it is not 100% guaranteed, we may offer low interest rates as well as no deposit / no down payment options for those who need a vehicle now. Our goal is to extend a helping hand to those who are not financially prepared to buy a car just yet and/or have a bad credit history. At Carplus, you can also apply for poor credit car finance in case your credit score leaves much to be desired.

Whatever your situation is, if you’re looking for bad credit car finance in Scotland, we will gladly help you out by reviewing your application and providing you with an expert. Our specialist will guide you through the entire process of getting car credit.

If you’re searching for car finance with bad credit and no deposit, you may want to use our calculator to see how much time it’ll take you to pay off the total amount of your car loan.

Will I Be Eligible for Car Finance?

You may think that if car finance brokers have refused to give you car credit in the past, you will never be accepted at another company either. However, that’s not the case with Carplus. We will do our best to find you the most favourable option possible. But to apply for car finance, you’ll need to meet the following requirements:

  • You should be at least 18 years old and no older than 75.
  • You should make at least £1,000 a month.
  • You should have been living in the UK for at least 12 months.

When applying for car finance in Scotland, you’ll be asked to provide the following information:

  • Full name
  • Phone number
  • E-mail address
  • Driving licence
  • Residential status
  • Residential address
  • Employment details

Can I Get Car Finance for Used Cars in Scotland?

Applying for car finance for a used car is no different from getting car credit for a brand new vehicle. The numerous car dealers in Scotland that we work with offer all kinds of vehicles which after getting your car finance application approved. There are loads of finance options to meet your preferences based on your credit score.

Why Choose Carplus?

Carplus isn’t the only car broker in Scotland, but there are many factors that make us stand out. These benefits help us grow as a business and offer you more and more opportunities to get car finance. See for yourself:

  • Our clients work with a professional car finance specialist who helps them out on every step of getting a car loan.
  • In addition to cars, we offer car credit for motorbikes, motorhomes, vans, and caravans.
  • Every car gets HPI-checked and RAC-inspected.
  • We help our customers find their car, and we make sure that it’s delivered at no extra cost.
  • Carplus services are rated Excellent on Trustpilot.

Who can get car finance in Scotland

  • Unemployed
  • Self-employed
  • In part time employment
  • Zero hours contracts
  • In receipt of benefit
  • Young drivers
  • Retired drivers
  • Provisional license holders
  • Carers allowance
  • Disability allowance
  • Ex bankrupt
  • Bad credit ratings
  • No credit history
  • Military/Armed forces

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