Can you help me with WAV finance please? I am employed but I only work 20 hours per week. I also receive the higher rate mobility allowance as I am a wheel chair user, plus on top of this I also receive an Employment and Support Allowance. My total monthly income totals £1300 but when I applied for finance recently for a Volkswagen Caddy I was told that my disability benefits wouldn’t be taken into consideration and that my other income wouldn’t be enough for them to approve me for the loan. I don’t know why as these benefits are permanent and are more secure that my current employment! The WAV that I would really like is a 2007 VW Caddy 1.9 TDi and has been professionally converted for wheel chair access and would be driven by my wife. The price is £11,000 and I could put down £1000 deposit if required. I look forward to hearing from you. R. Bettles.

Hi Mr Bettles and thanks for your question.

You are not the only person to have had this treatment from one of the main car finance lenders and because they do not understand the different disability benefits that are available they will not take them into consideration when deciding on whether to approve your loan application.

At The Car Loan Warehouse we work very closely with specialist Lenders who do understand and will take all of your income into consideration when processing your loan application. Therefore I am sure that we could help you with obtaining the loan you need to buy the VW Caddy you have seen and could spread the repayments over a maximum term of years in order to keep the monthly payments affordable for you.

Why not take five minutes to call us on 0800 066 2888 and one of our advisors can take your information so that we can get the WAV finance agreed in principle for you.

Once approved we can then liaise with the dealer and arrange to get the money transferred to them.

You can also CLICK HERE to apply online or visit our WAV Finance information page.