Hire Purchase

When you are thinking about buying your next car we can offer you a loan from £1000 to £10000 with repayment periods of 12 to 60 months.

The process is quick and easy and when your loan application is approved you can pay your deposit and pick up your new car!

3 reasons why you should consider Western Automotive finance...

  • Your loan is set at a fixed rate of interest so you know exactly how much you will be paying each month
  • The application is quick, easy and personal and doesn’t involve lengthy meetings or calls to a call centre
  • Flexible loan terms allow you to select a suitable and affordable monthly repayment plan that suits you
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Build/Repair Credit Rating

Credit problems or lack of credit history doesn’t have to hold you back from buying the car you want.

We know just how easy it is to be refused credit for a car, sometimes through no fault of your own. Don’t worry if you’ve been refused car credit elsewhere or simply have no credit history.

Western Automotive can help.

  • We can help you repair your past credit problems
  • Build your credit profile if you have little or no credit history
  • Weekly or monthly payments available
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Who Can Apply?

Western Automotive Financial Services specialise in offering used car finance to a range of applicants including those who may have previously experienced difficulties in getting car finance.

We can approve:

  • Full and part-time employees
  • Self employed
  • Armed Forces
  • Students
  • New employees or short term contracts
  • Under 21 years of age
  • Provisional Drivers
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Our aim is simple

To make financing of your car simple, quick and straight forward.

Western Automotive Financial Services has products that are tailored to meet customer demand in the current financial climate. We believe the customer comes first and as such this core belief within our business drives us to constantly deliver thevery best customer service and support.

Our underwriting process is tailored to take account of each customer's individual circumstances rather than being merely a credit scoring exercise. We can meet the needs of most customers whilst adhering to the principle of responsible lending.

Western Automotive Financial Services

I have a poor credit history or no credit history – can Western Auto Financial Services help?


Every finance application we receive is reviewed by an experienced underwriter rather than relying on a credit score system.

Our underwriter will contact you for a person to person discussion of your personal circumstances thus making your experience more personable and any decision made delivered to you direct.

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