NatWest Flex Car Finance

Lower monthly payments with a guaranteed rate if you're approved

Representative 5.9% APR (fixed)

About Flex Car Finance

What is NatWest Flex Car Finance

  • Natwest Flex Car Finance is a Personal Contract Purchase (PCP) agreement with a fixed rate of interest, which means that if you're approved this is the rate you're guaranteed to get - no matter how much you borrow
  • NatWest Flex Car Finance is available on nearly new and used cars
  • PCP agreements are a good option if you like to change your car often, or are looking for lower monthly payments
  • With a PCP agreement you don’t pay back the full value of the car, and won’t own the car at the end of the agreement unless you choose to
  • You can complete your application fully online
  • You can still view your car in the dealership if you want

How much you borrow and repay

  • Your monthly and final payments are worked out based on how much the car will be worth at the end of your agreement, with interest added on top
  • You'll be asked how many miles you'll drive each year, and you can select how long you'd like your agreement to last, which will help work out how much your car will be worth at the end of your agreement
  • You can borrow between £2,000 and £60,260 at the fixed rate, with the choice to put down a deposit if you want (some cars will require a deposit if the price is 10% or more above the market value), the more deposit you put down, the less you’ll need to borrow and pay each month


End of your agreement

  • You can choose to either hand back the car (relevant charges may apply), trade it in and arrange an agreement on another car, or buy the car with a larger final payment
  • There may be charges applied for any damage that goes beyond fair wear and tear
  • If you go over your agreed miles per year, you will be charged a pence per mile fee

Useful Info

ALD Automotive are the leading vehicle leasing operation in Europe, they manage over 1.5 million vehicles across 43 countries worldwide. We have partnered with them to gain access to their expertise and give NatWest customers access to a wider range of products to meet their vehicle asset finance needs.  If you take out a NatWest Flex Car Finance product, the credit agreement will be between you and ALD Automotive Limited.

At the end of your agreement, you will have the option to purchase the vehicle by making an optional final payment. The payment amount will be calculated and communicated to you before you sign your agreement. During the term of the agreement, the car will belong to ALD, but you will be the registered keeper.

To help calculate how much the car will be worth at the end of the agreement, you’ll need to confirm how many miles you’ll expect to drive per year and how long you’d like the agreement to last. 

Once you have the keys, you'll be the registered keeper of the vehicle. This means that it is your responsibility to ensure that the vehicle is taxed, insured and has a valid MOT.

Get a decision online without any impact to your credit score

Great - you've found the car you'd like to finance! You'll need its registration number, price and current mileage to hand.

Let's find your next car! ALD's database has thousands of used cars to choose from, all from approved dealerships.

Still considering your options?

If you want to own your car outright from the beginning – why not take a look at our personal loan options?


Something else we can help you with?