Motor Finance Tailored For You!

  • No deposit required
  • PCP and HP rates from 6.9%
  • All credit histories and circumstances considered
  • We can help find the right car for you
Calculate Finance

This car finance calculator is for illustration purposes only. The interest rate that you receive from your motor finance provider, or the fees they may charge can vary significantly depending upon your circumstances. If you have a poor or bad credit you are deemed to be a higher risk to the lender, hence the reason for higher monthly payments. Motor Finance Scotland is a finance broker and arranges finance with lenders on our client’s behalf. Motor Finance Scotland does not provided loans and cannot directly calculate the exact cost of your loan. This tool is only a rough indicator to help users check potential affordability. Credit is subject to the discretion of the lender, is subject to status and is not guaranteed. Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk

Representative Example

Borrow £7,000 with £1,000 deposit over 48 months with a representative APR of 16.3%, monthly payment would be £167.58, with a total cost of credit of £2,043.85 and a total amount payable of £8,043.85. Motor Finance Scotland is a trading style of Creditas Financial Solutions, we are a credit broker and not a lender.

What Our Customers Say

Couldn't have asked anymore of Chris and Claire they were both brilliant never thought I would get finance but they managed to sort me even when there was a problem with my license they were very patient.Thanks again
Stuart Taylor
Stuart Taylor
08:12 28 Jun 22
very helpful and friendly. The best experience from start to finish, answered all my questions and was always quick to respond. Would definitely recommend and would definitely use again xx
De coe
De coe
07:50 16 Jun 22
Both Claire and Chris were extremely helpful and accommodating. Made what can be a stressful process a more enjoyable one for me. Would highly recommend their services when looking for a car. Thanks again :)
vanessa kidd
vanessa kidd
21:53 15 Jun 22
An amazing company, my credit history wasn’t good but they managed to sort me out
andie finlayson
andie finlayson
10:20 15 Jun 22
I got in touch with MFS and they were great from start to finish.Claire was my advisor and she couldn’t have done more for me. Very helpful staff and I would definitely recommend.
Steven Cox
Steven Cox
07:12 10 Jun 22
Chris and Claire have been fantastic from start to finish. Easy process and helped you find the right car.I would highly recommend Motor Finance Scotland
CCStuart McAllister
CCStuart McAllister
10:02 09 Jun 22
Cheryl Spencer
Cheryl Spencer
17:08 07 Jun 22
Great from start to finish, couldn’t have been more helpful and couldn’t recommend highly enough. Thanks again
Darren Irvine
Darren Irvine
10:31 03 Jun 22
Chris was absolutely brilliant. Kept me informed of the process from start to finish. Would 100% recommend
Sierra Delta
Sierra Delta
14:47 01 Jun 22
hi therewas having trouble getting car finance, then turned to car finance Scotland who where very helpful and persistent in getting me the car that i wanted. the staff are very helpful and if you call them with any questions they answer the phone within three rings, brilliant service.
kace
kace
18:02 05 May 22
Great service would definitely recommend.Claire was great at answering any questions we had and nothing was a bother to her.
Jane Lawrie
Jane Lawrie
14:40 03 May 22
Contacted this company to see if they were able to arrange finance for myself for a car I had seen, After speaking with Claire and giving her my details. She was able to get me approved for finance but the rate was bit high after telling this to Claire, she acted fast and contacted the lender and manged to get the rate lowered a fair amount. Claire was very professional and helpful and bent over backwards worked later to make this happen. Overall very please with the service I received definitely would recommend to others
Julie Ann Agnew
Julie Ann Agnew
13:41 29 Apr 22
Daria
Daria
08:31 07 Apr 22
Aleksandra Inkumsah
Aleksandra Inkumsah
16:17 05 Apr 22
Julia Macleod
Julia Macleod
15:56 09 Mar 22
Great customer service helpful every step of the way, and the willingness to sort thing out with sms messages as well as over the phone made the process much easier to fit in around work, would recommend and use again
James Layfield
James Layfield
23:03 24 Feb 22
Oreo Hotdogs
Oreo Hotdogs
16:11 23 Feb 22
I have just bought a car from Lewis at Spalding Brown of Edinburgh, he got Clare from Motor Finance Scotland to ring me to take my details for a finance application, she was extremely professional and courteous in a warm friendly way totally unintrusive , i had just agreed to buy the car that morning, clare rang me about 11;30 and got a positive quick decision by mid afternoon, everything was done via internet, txt, and phone and the rate she got me was amazingly low.I explained i needed to collect the car quickly as work commitments meant i would have to leave it for a further two weeks otherwise, she leased with the finance company whom paid Spalding Brown the next morning and i picked it up in the afternoon.i can't recommend Motor Finance Scotland highly enough, next time i change my car i will be straight on the phone to them.
Justin Wray_Brayshaw
Justin Wray_Brayshaw
16:04 07 Feb 22
Motor finance Scotland went above and beyond to find the right finance deal . All ways kept upto date with what was going on via txt/call . Claire thanks for all your help and I’ll be back soon .
David Lennon
David Lennon
14:34 27 Jan 22
Kazli Moir
Kazli Moir
09:58 27 Jan 22
Excellent service and very competitive rates. Would highly recommend.
John Falconer
John Falconer
14:31 20 Jan 22
Would highly recommmend Claire was amazing and support from start to finish and would absolutely use again .
emma campbell
emma campbell
04:00 20 Jan 22
I had such a good experience! They are very professional and friendly and kept me updated at all times! I would definitely recommend them!
Humza Arshad MBE
Humza Arshad MBE
12:24 19 Jan 22
Recently used Motor Finance Scotland to find my next car.Claire was great to deal with and helped me find my next car that is perfect for me and my family.Service was great and very professional and kept me informed all teh way through the process.Would recommend to any one and will be using in the future for all my car purchases.
Scott Coggill
Scott Coggill
11:45 05 Nov 21
Excellent from start to finish, I received my first call 10 mins after I put in my online enquiry and had finance quotes approved the same day! Claire was excellent from start to finish, very knowledgeable and helpful and was able to walk me through the process making it very easy.I managed to get a great finance deal on my new car and the whole process of enquiry to the lender paying out took 24 hours! Will be back again when it is time for a replacement!
Grant Douglas
Grant Douglas
18:13 27 Oct 21
Excellent service from Claire, helped me though the entire process and was always able to go above and beyond. Would defiantly recommend to anyone!
Anton Courtney-May
Anton Courtney-May
09:07 25 Oct 21
I highly recommend their service to anyone looking for a new car.
Lynsay Anderson
Lynsay Anderson
12:05 23 Sep 21
I contacted MFS when purchasing a car through Arnold Clark. Claire was superb at her work and after 15 minute on the phone I was on way to Arnold Clark to secure the car! Amazing service and I will be using them for my next purchase
Martyn Lyell
Martyn Lyell
14:32 03 Sep 21
Motor finance scotland were incredible from start to finish. I cannot fault their customer service. Very helpful and equally friendly.Claire walked me through the entire process which made it simple and straightforward.I highly recommend their service to anyone looking for a new car.
Celticbhoy 1888
Celticbhoy 1888
14:15 03 Sep 21
Motor Finance Scotland could not have been more helpful & dedicated to helping me find my next car, I'd like to thank everyone involved but Claire most of all. I would thoroughly recommend their services to anyone.
Colin Hamilton
Colin Hamilton
09:47 29 Aug 21

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FAQs

We’re often able to help customers that have been refused elsewhere.

If you’ve applied somewhere else and have not been successful, you might start to think that nobody can help. However, that doesn’t have to be the case. Some of the lenders we work with specialise in helping people with bad credit to get car finance, so we’ll try our best to find the right finance option for you.

Yes, you can choose a car from any reputable dealership.  Once you’ve found a car, you just need to share the details with your Customer Account Manager, and they will do the rest.  If you can’t find one, we are on hand to help.  Just let your account manager know what you’re looking for, and we can search for one from our many trusted dealer partners.

It’s a dealership you can trust!  While cars of all ages can develop faults, we work closely with our dealerships so that we can help protect you from encountering problems down the line.

As we have such a wide panel of lenders, we can look for the best deal for customers in a variety of different circumstances.  Whether you have good credit, bad credit or somewhere in between we will look to find the best option for you.

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