Low deposit finance wav financefor new & used adapted vehicles

grandad in wheelchair 440 blueAs specialist licensed credit brokers we are able to offer funding solutions on both new and pre-owned wheelchair accessible vehicles directly to those requiring the facility.
i.e. people with disabilities and their direct family members.

At Jubilee, we have firm agreements in place with major high street lenders who will sympathetically consider low deposit funding applications from people with disabilities, even where their age or condition may not permit them to seek full or part time employment. Our Mobility Vehicle Finance plans are available on both new adapted vehicles or any of our superb, 200 point quality inspected & guaranteed, low mileage pre-owned accessible vehicles.

IMPORTANT : You do NOT necessarily need to be in receipt of Disability Living Allowances to qualify for our Mobility Vehicle Finance Plans, however any allowances or pensions you may receive are taken into account. (Note : we approve well over 95% of finance applications for new or used wheelchair accessible vehicles)

You can use our FINANCE CALCULATOR below to work out the best payment plan for you.

Finance deposits on used wavs start at just £500 or less depending on the value of the vehicle and funding is available whether or not you are in receipt of Disability Living Allowance, are disabled or unable to work because of your medical condition or having to care full time for a disabled person, subject to status. The estimated weekly equivalent price quoted on individual stock vehicle listings presumes a deposit of circa 20% with monthly repayments over 60 months at a typical apr of 13.5%. Actual deposits and repayment terms may vary. Please feel free to contact us for a written quotation.


Southern Finance
Specialist Financing for Wheelchair Accessible Vehicles

Southern Finance are the Consumer Finance Division of R.Raphael & Sons plc, one of the oldest independent banking houses in the United Kingdom, established in 1787.Southern Finance Logo

Jubilee Automotive Group have been associated with the dedicated WAV financing division of Southern Finance for many years now, enabling us to extend finance facilities to various groups and individuals who may have previously experienced difficulty in obtaining funding for our specialist adapted vehicles

As Europe's biggest stockists of wheelchair accessible vehicles we understand that each individual customer's vehicle and funding needs can vary significantly.

Jubilee Automotive Group and Southern Finance are able to work in conjunction with you, the customer, to meet your individual needs by offering:-

  • Flexible initial deposits
  • Extended repayment periods
  • Sympathetic finance acceptance criteria
  • Fixed interest rates for the duration of agreement
  • Early settlement facility
  • Agreements can be fully or partially settled
  • No automated credit scoring
  • Applicant need not be employed
  • Allowances & pensions taken into account
  • Multiple allowance holders can be combined
  • 24 hour acceptance decisions

Southern Finance WAV customers fall into several different categories having the common agenda of requiring funding for either new or used wheelchair accessible or adapted vehicles.

For example :-

  • Private individual WAV customers or their families
  • Joint purchasers with individual allowances
  • Charities and voluntary organisations
  • Care homes and care home residents
  • Local Authority bodies
  • Foster Carers & fostering organisations
  • Community transport operators
  • Business WAV users

Southern Finance FAQs

Q; Who are they ?
A; Southern Finance is the principal brand name for the Lending division of Raphaels Bank. Originally, Southern Finance was first established in Southampton in 1957, from iStock 000007950646Largewhere operations are still based today, and it became part of the Banks parent group in 2004. Its core business is in providing credit facilities to help private and business customers purchase new and used vehicles.

Q; Who are Raphaels Bank ?
A; R. Raphael & Sons plc, one of the oldest independent banking houses in the United Kingdom, established in 1787.

Q; Is Raphael Bank regulated ?
A; Yes, they are authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Q; Are they members of any industry trade bodies ?
A; Yes, members of both the Consumer Credit Trade Association (CCTA) and The Finance & Leasing Association (FLA) whose Lending Code can be inspected at www.fla.org.uk

Q; What credit facilities and products are available ?
A; New and used wheelchair adapted vehicles, for private individuals, groups of people wanting to combine their allowances, business users, including Care Homes, Charities, Community Transport operators. Credit is provided under traditional Hire Purchase where ownership of the vehicle passes to the customer upon full completion of the terms of the agreement

Q; Is a credit scoring system used to make lending decisions ?
A; No. A credit search will be undertaken, but each application is considered on an individual basis.

Q; What if I am not in full time employment, retired or receiving Allowances ?

A; You do not need to be in full time employment to apply. Your ability to meet the monthly payments is the most important factor. Southern take their role as a responsible lender very seriously and endeavour to structure a financial repayment and term to suit your circumstances.

Q; Do I have to pay a deposit ?
A; As a responsible lender, they will always seek to structure the transaction to suit individual circumstances, so please ask about the deposit payment applicable when making an enquiry.

Q; What periods can I repay over ?
A; Between 12 and 60 months.

Q; What are the minimum and maximum amounts I can borrow ?
A; Minimum £1000 and there is no maximum amount-this will be linked to the profile of the private, or corporate applicant.

Q; What happens if my DLA award ceases during the term of the agreement ?
A; Nothing, your finance agreement continues, as normal.

Q; Can my allowance be paid directly to Southern Finance?
A; No, they will collect payments from your bank by Direct Debit .

Q; Will I still be eligible to apply if I do not receive DLA ?
A; Yes

Q; Can I settle my finance agreement early ?
A; Yes. You can either partially, or fully settle the finance agreement at any point, in line with the contractual terms of the agreement and current legislation.

Q; What happens if my financial affairs are handled by an Appointee (private or corporate) or under a form of Power of Attorney, or Court of Protection arrangement?
A; All of these circumstances can usually be handled without problem

Please click here to receive your individual finance example.

Finance examples and quotations are subject to status. Individuals must be 18 years or older and resident within the UK. Guarantors may be required. Full written quotations are available upon request from Southern Finance, Southern House, 80, Shirley Road, Southampton SO15 3EY. Tel: 02380 215733



For those in receipt of Disability Living Allowance we also offer a further selection of fully Motability Accredited low mileage Nearly New Wavs that are available via the Motability Nearly New Scheme, with advance payments starting from as little as £50.

Quality New & Used Accessible Vehicles from Jubilee

We are proud to offer genuine equal opportunity to all





Our nearly new vehicles, some having covered less than 1,000 miles, offer huge savings against new prices of up to 30% or more. * The minimum two year guarantee is provided by AA Warranty or by the balance of the Vehicle Manufacturer's Warranty or a combination of both on the majority of our late, low mileage wheelchair accessible vehicles. Our late, low mileage wheelchair driver vehicles are offered with a minimum of one years guarantee / warranty where indicated. Please see individual vehicle listings for details or contact us for further information.


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