Rent to Own. No Credit Check.

No. Rent to Own is a lease direct with WMA — there is no lender and no credit check. Whatever has happened in the past makes no difference to whether you can take out an agreement.

Three things: a full or provisional UK driving licence, proof of address from the last 3 months, and fully comprehensive insurance covering a car leased or rented from a private lease company.

Yes. A full or provisional UK licence both work. International licences are not accepted.

A fully comprehensive policy covering a car leased or rented from a private lease company, where the registered owner and keeper is the lease company. Your insurer will know what this means — if in doubt, call us before you buy the policy and we will talk you through it.

WMA owns the car throughout the lease — there is no option or promise to buy written into the agreement. Complete your agreement with a clean account and you'll typically be offered the chance to buy the car for £499 afterwards. This is a separate, discretionary offer made once the car is returned, valid for 14 days — never guaranteed, and never part of the lease itself.

There's a minimum term (usually 12 months). Ending before then costs 50% of the remaining unpaid monthly payments to the end of the minimum term — the month you've already paid for in advance isn't counted. After the minimum term, you can end the agreement with 28 days' notice and no charge.

It doesn't end the agreement straight away. We'll get in touch, a £25 fee applies if it's still unpaid, and if it isn't sorted we send a formal default notice giving you 14 days to put things right — all before the agreement can end for non-payment. If you're worried about a payment, contact us before it's due — we'd rather agree an arrangement.

Your allowance is 1,300 miles for every month you have the car, checked when it comes back. Miles over that are charged at £0.20 each.

It carries WMA's 90-day warranty from handover. After that you're responsible for keeping it road-legal, serviced and repaired — any garage you choose, no tie to WMA. Road tax is yours too: you tax the vehicle directly with the DVLA using the reference number we give you at handover — 12 months, 6 months or monthly Direct Debit, whichever suits. WMA stays the registered keeper and lets you know when it's due.