The following definitions apply to these Terms and Conditions:
“Campaign Period” means October 12, 2026, to January 29, 2027, inclusive of the start and end dates.
“Campaign” means the Scotiabank (Barbados) Ltd. Christmas Campaign 2026 described in these Terms and Conditions.
“Eligible Client” means a new or existing individual retail client who satisfies the Bank’s eligibility, credit, verification and adjudication requirements.
“Eligible Loan” means a new Auto Loan, a new Unsecured Scotia Plan Loan, or both, applied for during the Campaign Period and approved and disbursed no later than the Fulfilment Deadline.
“Fulfilment Deadline” means February 28, 2027.
“The Bank” and “Scotiabank” mean Scotiabank (Barbados) Ltd.
ELIGIBILITY
1. The Campaign is available to legal residents of Barbados who are eighteen (18) years of age or older and who are new or existing individual retail clients of Scotiabank.
2. Eligible Clients may apply for an Auto Loan, an Unsecured Scotia Plan Loan, or both, during the Campaign Period.
3. All applications are subject to the Bank’s standard credit criteria, income and employment verification, requirements, adjudication, documentation, security requirements where applicable, and final approval.
4. Wage or salary assignment to Scotiabank is required, where applicable.
5. The minimum loan amounts, maximum loan amounts and approved terms for Auto Loans are subject to the Bank’s prevailing lending requirements.
6. Eligible Clients may receive only the discounts specified under this Campaign. No additional fee discounts will apply.
CAMPAIGN BENEFITS
1. A reduced processing fee of 0.25% applies to each new Auto Loan and each new Unsecured Scotia Plan Loan approved and disbursed under the Campaign.
2. Up to BBD$2,000 cash back on each new Auto Loan.
3. Eligible Clients may select an extended first payment date of up to fifty-nine (59) days, subject to the approved loan structure, documentation and the Bank’s applicable lending requirements.
4. Competitive interest rates are available for Auto Loans and Unsecured Scotia Plan Loans. The interest applicable to an approved loan will be communicated to the Client before disbursement and will be set out in the applicable Personal Credit Agreement.
5. The Campaign benefits may be accessed for an Auto Loan, an Unsecured Scotia Plan Loan, or both, provided each application separately meets all applicable requirements.
6. An extended term of up to seventy-two (72) months may be available for qualifying Unsecured Scotia Plan Loans, subject to approval and the Bank’s prevailing lending requirements.
7. An extended term of up to one hundred and eight (108) months may be available for qualifying Auto loans subject to approval and the Bank’s prevailing lending requirements.
8. Up to 100% financing may be available for qualifying Auto loan Clients subject to approval and the Bank’s prevailing lending requirements.
APPLICATION AND FULFILMENT
1. Applications must be submitted between October 12, 2026 and January 29, 2027, inclusive.
2. To receive the Campaign benefits, the Eligible Loan must be finally approved, all required documentation and conditions must be completed, and the loan must be disbursed by February 28, 2027.
3. Applying for an Auto Loan or Unsecured Scotia Plan Loan does not guarantee approval. The Bank may request additional information or documentation and may approve a different amount, term or repayment structure from that requested.
4. The processing fee and any other applicable fees, charges, insurance costs or third-party expenses will be disclosed before disbursement and reflected in the relevant loan documentation.
OFFICIAL TERMS AND CONDITIONS
1. These Terms and Conditions apply only to this Christmas Campaign 2026 and do not amend, or apply to, the terms of any other Scotiabank promotion, product or programme.
2. Each approved loan is governed by its applicable credit agreement, security documents and the Bank’s standard terms and conditions. If there is any inconsistency, the executed loan documentation will govern the loan.
3. The Bank reserves the right to verify eligibility and to decline or withdraw an application that does not satisfy its lending, verification, compliance or documentation requirements.
4. To the extent permitted by law, Scotiabank may amend, suspend or discontinue the Campaign or these Terms and Conditions at any time. Any change will not affect a loan agreement already executed unless permitted by that agreement or by law.
5. The Bank’s records will be used to determine whether an application was received and fulfilled within the required dates.
6. These Terms and Conditions are governed by the laws of Barbados.
For further details please visit the following website: bb.scotiabank.com
* Trademark of The Bank of Nova Scotia used under license.
DEFINITIONS
The following definitions apply to these Terms and Conditions:
“Campaign Period” means October 12, 2026, to January 29, 2027, inclusive of the start and end dates.
“Campaign” means the Scotiabank (Barbados) Ltd. Christmas Campaign 2026 described in these Terms and Conditions.
“Eligible Client” means a new or existing individual retail client who satisfies the Bank’s eligibility, credit, verification and adjudication requirements.
“Eligible Loan” means a new Auto Loan, a new Unsecured Scotia Plan Loan, or both, applied for during the Campaign Period and approved and disbursed no later than the Fulfilment Deadline.
“Fulfilment Deadline” means February 28, 2027.
“The Bank” and “Scotiabank” mean Scotiabank (Barbados) Ltd.
ELIGIBILITY
1. The Campaign is available to legal residents of Barbados who are eighteen (18) years of age or older and who are new or existing individual retail clients of Scotiabank.
2. Eligible Clients may apply for an Auto Loan, an Unsecured Scotia Plan Loan, or both, during the Campaign Period.
3. All applications are subject to the Bank’s standard credit criteria, income and employment verification, requirements, adjudication, documentation, security requirements where applicable, and final approval.
4. Wage or salary assignment to Scotiabank is required, where applicable.
5. The minimum loan amounts, maximum loan amounts and approved terms for Auto Loans are subject to the Bank’s prevailing lending requirements.
6. Eligible Clients may receive only the discounts specified under this Campaign. No additional fee discounts will apply.
CAMPAIGN BENEFITS
1. A reduced processing fee of 0.25% applies to each new Auto Loan and each new Unsecured Scotia Plan Loan approved and disbursed under the Campaign.
2. Up to BBD$2,000 cash back on each new Auto Loan.
3. Eligible Clients may select an extended first payment date of up to fifty-nine (59) days, subject to the approved loan structure, documentation and the Bank’s applicable lending requirements.
4. Competitive interest rates are available for Auto Loans and Unsecured Scotia Plan Loans. The interest applicable to an approved loan will be communicated to the Client before disbursement and will be set out in the applicable Personal Credit Agreement.
5. The Campaign benefits may be accessed for an Auto Loan, an Unsecured Scotia Plan Loan, or both, provided each application separately meets all applicable requirements.
6. An extended term of up to seventy-two (72) months may be available for qualifying Unsecured Scotia Plan Loans, subject to approval and the Bank’s prevailing lending requirements.
7. An extended term of up to one hundred and eight (108) months may be available for qualifying Auto loans subject to approval and the Bank’s prevailing lending requirements.
8. Up to 100% financing may be available for qualifying Auto loan Clients subject to approval and the Bank’s prevailing lending requirements.
APPLICATION AND FULFILMENT
1. Applications must be submitted between October 12, 2026 and January 29, 2027, inclusive.
2. To receive the Campaign benefits, the Eligible Loan must be finally approved, all required documentation and conditions must be completed, and the loan must be disbursed by February 28, 2027.
3. Applying for an Auto Loan or Unsecured Scotia Plan Loan does not guarantee approval. The Bank may request additional information or documentation and may approve a different amount, term or repayment structure from that requested.
4. The processing fee and any other applicable fees, charges, insurance costs or third-party expenses will be disclosed before disbursement and reflected in the relevant loan documentation.
OFFICIAL TERMS AND CONDITIONS
1. These Terms and Conditions apply only to this Christmas Campaign 2026 and do not amend, or apply to, the terms of any other Scotiabank promotion, product or programme.
2. Each approved loan is governed by its applicable credit agreement, security documents and the Bank’s standard terms and conditions. If there is any inconsistency, the executed loan documentation will govern the loan.
3. The Bank reserves the right to verify eligibility and to decline or withdraw an application that does not satisfy its lending, verification, compliance or documentation requirements.
4. To the extent permitted by law, Scotiabank may amend, suspend or discontinue the Campaign or these Terms and Conditions at any time. Any change will not affect a loan agreement already executed unless permitted by that agreement or by law.
5. The Bank’s records will be used to determine whether an application was received and fulfilled within the required dates.
6. These Terms and Conditions are governed by the laws of Barbados.
· For further details please visit the following website:
Country
Websites
Barbados
bb.scotiabank.com
* Trademark of The Bank of Nova Scotia used under license.
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