Finance/Part Exchange

Part Exchange Options

We fully appreciate that many customers will have an existing wheelchair accessible vehicle (WAV) that is no longer required. To make any new purchase with us as easy and stress free as possible we are happy to consider a part exchange on most vehicles whether they are adapted or not.

Please contact us with your vehicle details if you require a part exchange estimated valuation >

Finance Options

Ransome Mobility Solutions have teamed up with Southern Finance – specialists in financing for WAV vehicles.

Southern Finance specialise in providing financing to individuals who may have previously found it difficult to fund purchasing of a Wheelchair Accessible Vehicle. As a specialist, Southern  Finance understand the personal requirements of WAV purchases and can offer bespoke solutions to make the vehicle you need affordable to you.

Flexible Financing Options Built Around Your Requirements.
Together, Ransome Mobility Solutions and Southern Finance can build a suitable finance package. Features available include;

Southern Finance Payment Guide - 3 years Southern Finance Payment Guide - 4 years Southern Finance Payment Guide - 5 years DLA Holders Buyers Guide

Flexible Financing Options Built Around Your Requirements.
Together, Ransome Mobility Solutions and Southern Finance can build a suitable finance package. Features available include;

  • Flexible initial deposits
  • Extended repayment periods
  • Sympathetic finance acceptance criteria
  • Fixed interest rates for the duration of agreement
  • Early settlement facility
  • Agreements can be fully or partially settled
  • No automated credit scoring
  • Applicant need not be employed
  • Allowances & pensions taken into account
  • Multiple allowance holders can be combined
  • 24 hour acceptance decisions

For advice on financing your new WAV from Ransome Mobility Solutions, please contact a member of our team.


Contact Southern on 02380 215733 and speak to Jacqui Wilkins, or speak to their specialist Mobility Divisional Manager, Derek Hannah, on 07899 066099, or send an email to or All enquiries are in complete confidence and without obligation or cost.
A decision can normally be confirmed within 24 hours of receiving an application.  
No. Agreements can usually be transacted with both multiple customers and/or Guarantors and can take into account multiple allowances, so please ask.
Yes. You can either partially, or fully settle the finance agreement at any point, in line with the contractual terms of the agreement and current legislation.
No, they will collect payments from your bank by Direct Debit.
Nothing, your finance agreement continues, as normal.
Minimum £1000 and there is no maximum amount-this will be linked to the profile of the private, or corporate applicant.
Between 12 and 60 months.
As a responsible lender, they will always seek to structure the transaction to suit individual circumstances, so please ask about the deposit payment applicable when making an enquiry.
You do not need to be in full time employment to apply. Your ability to meet the monthly payments is the most important factor. Southern take their role as a responsible lender very seriously and endeavour to structure a financial repayment and term to suit your circumstances.
No. A credit search will be undertaken, but each application is considered on an individual basis.
New and used wheelchair adapted vehicles, for private individuals, groups of people wanting to combine their allowances, business users, including Care Homes, Charities, Community Transport operators. Credit is provided under traditional Hire Purchase where ownership of the vehicle passes to the customer upon full completion of the terms of the agreement.
Yes, members of both the Consumer Credit Trade Association (CCTA) and The Finance & Leasing Association (FLA) whose Lending Code can be inspected at
Yes, they are authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Southern Finance is the principal brand name for the Lending division of Raphaels Bank. Originally, Southern Finance was first established in Southampton in 1957, from where operations are still based today, and it became part of the Banks parent group in 2004. Its core business is in providing credit facilities to help private and business customers purchase new and used vehicles.
R. Raphael & Sons plc, one of the oldest independent banking houses in the United Kingdom, established in 1787.