Finance For WAV Vehicles

Santander WAV Finance

Santander Consumer Finance are a specialist provider of finance for the automotive industry.


Who are they?

Santander Consumer (UK) Plc trade as Santander Consumer Finance. They are part of the Spanish Banco Santander Group and provide a range of products designed for purchase of personal and business vehicles. They are a well-known high street name operating successfully as one of the UK’s leading independent finance companies.

Are we safe dealing with them?

Yes - Santander Consumer Finance are authorised and regulated by the Financial Conduct Authority (FCA).

Would I pass their credit scoring?

Each application is considered on an individual basis.

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

You do not need to be in full time employment to apply. Your ability to meet the monthly payment from income such as allowances or pension is the most important factor.

What type of finance do Santander offer?

Santander offer Hire Purchase finance arrangements on the wheelchair accessible vehicles (WAVs) supplied by Bristol Street Versa.

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

Yes, providing all payments have been made.

Do I have to pay a deposit?

This will depend on your individual circumstances and will be assessed by Santander when your application is submitted.

What periods can I repay over?

Typically between 24 and 60 months.

What is the maximum amount I can finance?

This will be assessed by Santander as part of the application process.

What happens if I come off DLA during the agreement?

Nothing, your finance agreement continues as normal.

Can my allowance be paid directly to Santander?

No – your allowances need to be paid to you and then separately, Santander would collect the monthly payment owing on your finance agreement from your bank by direct debit.

Can I settle my finance agreement early?

Yes - Santander would supply you with a settlement figure upon request.

What happens if I have an Appointee handling my financial affairs?

This is not an issue – the finance agreement would still be in your name but could be arranged via your Appointee.

How do I obtain a finance quote?

Ask your Bristol Street Versa Sales Advisor who will be happy to calculate a quote and submit an application on your behalf to Santander.

Call us now on 0330 042 2623

Will Santander provide finance to every applicant?

No – unfortunately some customers may not be suitable for a finance agreement. Bristol Street Versa will however work with Santander to establish what options are available to you.

How long will I need to wait for a decision on my finance application?

Many applications are approved almost instantly once the details have been submitted. Others may take a little longer and sometimes Santander may require you to provide supplementary information. The Bristol Street Versa Team will be on hand to assist you through the whole process.