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Apply in about two minutes. We're an FCA-authorised credit broker with a panel of lenders behind us, and we accept applications whatever your credit history. We check every application over before it goes out, so it reaches the lenders in the best shape it can.
One question at a time, and you can stop and come back to it — we keep your place. You will need roughly three years of address and employment history to hand.
Your details are shared with our panel of lenders to process your application. See our Privacy Policy for how we handle your data.
The online form takes about two minutes. No documents needed to start, and no search happens at this stage.
We go through your application for completeness, so it reaches the lenders in the best shape it can, then submit it to our panel.
The lenders assess it, and we call or message you with what comes back as soon as we hear.
We are not tied to a single lender, so an application can go to the one best suited to your circumstances rather than whoever we happen to be signed up with.
We do not charge for arranging finance. If a lender approves and you go ahead, we may be paid a commission by them — it does not change the rate you are offered.
We take applications whatever your credit history. The lenders make the decision, but a thin or damaged file does not stop you applying with us.
Your current car can go towards the deposit. Get a figure from us first and you will know where you stand before you apply.
Not sure which type of finance is right for you? These short guides explain the differences.
Why Finance Through a Dealership
What is Conditional Sale?
What is Hire Purchase?
What is Personal Contract Purchase?
What is Personal Contract Hire?
What is Lease Purchase?
Rates depend on your credit profile and on which lender takes your application. If your credit is strong you will have our full panel available to you, and our rates start from 10.9% APR. Our representative APR is 13.4% — the full example is below. Your actual rate may be higher or lower depending on your circumstances, and we will tell you the exact figure before you commit to anything.
Yes. Our panel includes lenders that specialise in adverse credit — people who have had CCJs, defaults, missed payments, or barely any credit history at all, and who have been declined elsewhere. We cannot promise a lender will say yes, but we will put your application in front of the ones most likely to consider it. And if finance is not the right fit for you, we will talk to you about Rent to Own instead.
Yes — we arrange finance on the cars we sell.
Absolutely. A provisional licence does not stop you applying, and for a lot of our customers this is their first car. We have lenders on our panel who finance provisional-licence holders, provided you are working and earning £1,200 or more a month after tax, and you have held the provisional licence for three years or less.
Yes, and it is often worth doing. Lenders take both incomes into account when they assess affordability, so a joint application can widen what is within reach. Our online form takes one applicant at a time, so give us a call on 01670 531777 and we will take both sets of details.
Yes. We will need a letter of permission from your IVA company before your application can go to a lender — get that in hand and there is nothing stopping you applying.
Yes. The one thing that matters is being able to evidence your income. Lenders need to see it landing in a bank account — if you are paid in cash and it never hits your account, that is what causes problems, not the self-employment itself.
Yes. We accept applications from people on benefits, and we will put yours to the lenders on our panel most likely to consider it.
Usually not — most of the finance we arrange is with no deposit at all. Where one is needed, it is because the amount a lender will advance does not quite cover the car you have picked, and the deposit bridges the difference. If that applies to you we will tell you exactly what is needed before you commit to anything.
It varies by lender and by your credit profile — the stronger your credit, the lower the rate. Our representative APR is 13.4%, with the full example below. We will always tell you the exact rate you have been offered before you sign anything.
Yes — and it is a big part of what we do. If the lender panel cannot help, we have two other ways to put you in a car, and neither one runs a credit check. Rent to Own is a lease direct with WMA: you pay an initial payment and then a fixed monthly amount, with no credit check and no proof of income needed, and if you complete your agreement with a clean account you will typically be offered the chance to buy the car for £499. Short-term rental runs week to week with a minimum of four weeks, and is built for people mainstream hire companies turn down — you will need a full or provisional UK licence, proof of address, fully comprehensive insurance and breakdown cover. Call us on 01670 531777 and we will tell you straight which one fits.
Finance subject to status. 18s and over. Guarantee may be required. WMA Motors is a credit broker, not a lender. Representative example: Cash price £8,995, deposit £0, total amount of credit £8,995, 60 monthly payments of £203.02, total charge for credit £3,185.94, total amount payable £12,180.94. Representative 13.4% APR (fixed). Rates may vary depending on individual circumstances.
We don't charge you a fee for arranging finance. If a lender approves your application and you go ahead, we may receive a commission from them — this doesn't affect the rate you're offered.
WMA Vehicle Hire and Sales Limited is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Firm Reference Number 934177). We are a credit broker, not a lender. We can introduce you to a limited number of finance providers who may be able to offer you finance for your purchase. We may receive a commission from the finance provider if you decide to enter into an agreement with them. The amount of commission may vary depending on the vehicle, the finance product selected and your individual circumstances. We do not charge you a fee for our credit broking services.
Finance is subject to status. Terms and conditions apply. Applicants must be 18 or over. Guarantees and indemnities may be required.
Tell us when suits and we will call you back. No application, no obligation — just a conversation about what is possible.