How We Work?

Western Automotive Financial Services has a range of financial products to suit customers and enable them easy access to purchasing their next car.


At Western Automotive Financial services all cars come with a warranty, assuring our customers of hassle free motoring when purchasing a used car.

Approved Dealers

Western Automotive Financial services works in partnership with a network of local approved dealers.

Making Payments

Payments are made weekly, fortnightly or monthly – easy, simple and convenient.



Underwriting is a process that finance companies use to decide if a potential customer is suitable for a loan.

It will usually involve credit searches, credit scoring and/or personal interviews.

Western Automotive Financial Services believe in treating each customer as an individual and will discuss your circumstances in more detail during a telephone interview to make the service more personal rather than just number crunching. This way any previous problems can be discussed allowing responsible lending to be carried out

Treating Customers Fairly

Treating people as individuals is a core value of Western Automotive Financial Services and for this reason we are committed to the Financial Conduct Authority’s principle of “Treating Customers Fairly”

We aim to offer the highest level of service to all customers at all times and for this reason we subscribe to a number of key industry initiatives, for example

  • Finance & Leasing Association’s Lending Code
  • Specialist Automotive Finance
  • Financial Ombudsman Service
FLA SAF financial ombudsman


For all kinds of reasons you may think about settling your agreement early, perhaps you have seen a new car you are interested in?

If you do want to settle your agreement early it is a simple matter of contacting us and we will provide an early settlement figure for you. Early settlement amounts include a discount calculated on the reduced interest amount that will be due. If you want to pay off your entire loan you will need to request a settlement quote from us.

You are able to settle your agreement with us at any time during the course of the agreement by paying the amount stated in the settlement quote.

If you would like a full or partial settlement quote contact us and we will discuss your available options and then confirm your settlement figure in writing.

The quote will be valid for 28 days.

Experiencing Financial Difficulities

We understand that financial difficulties can arise unexpectedly for any of our customers, often through no fault of their own.

If you find yourself in this position, we know from experience that everyone is different but we can usually help if we genuinely understand your situation. We pride ourselves on being non-judgemental in all circumstances and have many years’ experience listening to our customers and working with them to establish a way forward.

The most important part of the process is that we are advised as early as possible to a change in your circumstances. Please contact us on 0800 055 6551.

It is also important to know that there are a number of organisations who are not associated with Western Automotive Financial Services and can provide you with free and impartial advice.

Below are some of the web sites you may wish to visit:

National Debt Line; Consumer Credit Counselling; Citizens Advice; Money Advice Trust: Money Advice Service; Direct Gov: HM Revenue & Customs: