Southern Finance

Constables Mobility do not provide vehicle finance, however we have a partnership with Southern WAV Finance who are specialist providers of finance for wheelchair accessible cars.

Click on a question to view the answer

Who are they?

Southern Finance is an old established, traditional finance company. Southern Finance has traded from its Southampton headquarters for 50 years, offering hire purchase, leasing and personal loan facilities to help private and business customers buy new and used cars, vans, motor cycles, caravans or boats.

Photo of twp wheelchair accessible vehicles converted by Constables Mobility

Are they owned by a bank?

Southern Finance are part of the Lenlyn Group, a major global financial services organisation, including Raphaels Bank and International Currency Exchange

Are we safe dealing with them?

Southern Finance s a long standing member of The Finance and Leasing Association and operate within their Lending Code 2004 which can be inspected at www.fla.org.uk. Southern Finance is also a member of the Consumer Trade Association, a consumer credit industry association, originally formed in 1891.

Would I pass their credit scoring?

Southern Finance does not credit score - each application is considered on an inpidual basis.

What if I am not in full time employment or retired?

You do not need to be in full time employment to apply to Southern Finance. Your ability to meet your monthly payment from income such as allowances or pension is the most important factor for Southern Finance - they take their role as responsible lenders very seriously and endeavour to structure a financial repayment and term to suit your circumstances.

What products do the Mobility Division finance?

New and used wheelchair adapted vehicles, cars, motor homes, motorcycles, caravans, powered wheelchairs and scooters, beds, stairlifts, vehicle adaptations and community transport vehicles are just some examples.

What facilities do Southern offer?

Traditional Hire Purchase, Lease Purchase, and Personal Loan.

Photo of a couple enjoying the meny benefits of having a wheelchair accessible vehicle

Will I own the goods at the end of the finance agreement?

Yes in all cases, except Leasing Agreements.

What periods can I repay over?

Between 12 and 60 months

What are the minimum and maximum amounts I can borrow?

Minimum £1000 and no maximum amount - this will be linked to the profile of the private or corporate applicant.

What happens if I come off DLA during the agreement?

Nothing, your finance agreement continues as normal.

Can my allowance be paid directly to Southern Finance?

No – Southern Finance will collect the monthly payment from your bank by direct debit order.

Can I settle my finance agreement early?

Yes – Southern Finance would supply you with a settlement figure incorporating rebates of interest, calculated in line with legislation operated by the major UK lending institutions.

Photo of Amanda, a wheelchair accessible vehicle expert

What happens if I have an Appointee, private or corporate, handling my financial affairs?

Southern are happy to deal via Appointees - the finance agreement would still be in your name and there would be no financial information recorded against the Appointee on their personal credit file.

Is there a limit to the number of people that Southern Finance will include on a finance agreement?

No. Speak to Southern about your circumstances.

How do I obtain a finance quotation?

Contact Southern on 023 8022 6745 and ask to speak to Jo Barker or phone the Divisonal Manager Derek Hannah on 07899 066099, or email your request to derek.hannah@southernfinance.co.uk

A full written quotation will be provided upon request. Please Quote "Constables" on your application.

Will Southern Finance provide finance to every applicant?

No. They cannot meet every applicant’s needs and will maintain their obligation to be a responsible and ethical lender.

How long must I wait for a decision on my finance application?

Southern Finance will normally confirm their decision within a maximum 24 hours of receiving an application.