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Car loans

Hit the road with a car loan with 3.1% APR representative from £7,500 to £15,000

UK residents only. Subject to status & eligibility. 18+. Rates depend on loan amount & individual circumstances.

Personal car loans at Clydesdale Bank

First car? Family car? Dream wheels? Whether you’re a new or existing customer, you could enjoy the freedom of a new car with a car loan from Clydesdale Bank.

Loans to suit you

Borrow £1,000 to £35,000 over 1-5 years. Borrow £7,500 or more and you could repay over 6 or 7 years. Other conditions apply for debt consolidation [1] go to footnote 1

Fixed repayments

The comfort of knowing what you'll pay each month and how long for

Repay early

Repay in part or in full if you choose. An early repayment charge will apply [2] go to footnote 1

[1] Loans may be granted over terms of 6 or 7 years if the loan amount is £7,500 or more and less than 50% of the loan is to repay existing lending with us.

Calculate your loan

Use our loan calculator to work out the Representative APR for your loan, and see how much the monthly repayments could be on your loan. The rate will depend on the loan amount and individual circumstances.


Representative example 

Borrow (£) Term time Monthly repayments (£) Interest rate per annum (Fixed) Representative APR Total amount payable (£)
£0 0 £0 0% 0% £0

All loans are subject to status. The interest rate offered may differ from the Representative APR shown depending on our assessment of your financial circumstances and your chosen loan amount. For loans between £1,000 - £25,000 the maximum APR offered will be 29.9%.For loans between £25,001 - £35,000 the maximum APR offered will be 14.9%.

Apply now in just 15 minutes

Apply now for Personal Loan

To apply for a loan you must be aged 18 or over

[2] You can repay your loan in full and part at any time and we'll reduce the total charge for credit payable under the agreement. When calculating this reduction we will charge up to an additional 58 days' interest on the amount you repay. You will need to contact our Customer Services team to inform us of your intention each time you wish to make an additional payment. Our team will be able to provide you with options on how to make this payment.

[3] You own the car once the final repayment and completion fee is made. Equal instalments or balloon payment (lump sum) options are available. Credit subject to status & eligibility.

Looking for a car loan over £35k?

If you've got your heart set on something a bit more expensive, you can speak to our Asset Finance Direct Team, who may be able to offer you a hire purchase agreement secured against your car, with a fixed interest rate and fixed monthly payments [3] go to footnote 2.

0800 141 2231

Got any questions?

Give us a call

Prefer to talk to someone?

0800 707 6471

Or if you're abroad: +44 141 951 7320

Popular questions about car loans

Is a personal car loan the right option for me?

Unfortunately, we’re not able to advise whether this is the right product for you. However, our car loan page can provide all the information you need to help you make an informed decision. If you need any more information, get in touch with a member of our team on 0800 707 6471

It’s important to compare this loan to other forms of car finance such as hire purchase, personal contract purchase or lease, taking into account the unique benefits of each as well as the repayment cost.

Can you tell me how much a loan will cost without my personal details?

Our loan calculator gives an example of what your monthly repayments and overall repayment would be on the loan of your choice.

However, only once you have submitted your application and we have reviewed your individual circumstances will we be able to tell you specifically which rate will apply to you.

What are my car finance options?

A personal car loan acts as a form of car loan, which lets you buy the car in full, and pay the bank back rather than the seller.

However, other forms of car finance include hire purchase, personal contract purchase or lease.

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