Van Finance2023-01-10T14:27:04+00:00

Get your van finance first

Any vehicle | Any dealership | No deposit | All credit scores considered

Get a quote

No obligation, no impact on your credit score

Rates from 7.9% APR. Representative APR 26.9%

Representative Example: Borrowing £5,700 over 60 months with a representative APR of 26.9%, the amount payable would be £164.18 a month, with a total cost of credit of £4,150.80 and a total amount payable of £9,850.80.

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Why do I need van finance

That’s easy to answer – because it helps you get a new van, on the road, in as quick a time as possible. With van finance you’ll be able to:

1. Get a better van – monthly payments make it easier to budget, maybe you can get that upgrade you were after.

2. Be on the road much quicker – get finance first and avoid months of saving to get your new van on the road.

3. Get finance that works for you – we’ll help you find the very best deal for your circumstances.

Want a rough guide to how much you could be paying each month? Use our van finance calculator to find out.

What information do I need to apply for a van finance quote through The Vehicle Financer?

We want to be accurate when we provide you with a quote for your van finance, so we’re going to need some information about you. As well as your name, we’ll need your address for the last three years, so that we can carry out a soft search on your credit history, which doesn’t affect your score in any way, and information about your employment. We’ll then search our panel of lenders to give you a quote for the best van finance deal for you.

I don’t have time to find a new van. Could you do it for me?

No problem. We know that life can be busy, especially if the van your after is for your business. If your time is needed elsewhere, let us do the boring bit and find a van that you want, and your budget allows. Once we’ve done that, we can get on with getting you a quote for the finance to get that van off the forecourt and onto your drive.

Can I apply for van finance if I have a bad credit score?

High credit score, low credit score – it’s just a fact of life these days. We don’t mind what your credit score is, we’ll still do our very best to find you a van finance deal that you’re happy with. And it’s reassuring to know that if you’re accepted for van finance, and you stick to the agreement, it will improve your credit score. That sounds like a win to us.

Let’s get started

Answer the questions, it’s the usual stuff – name, time at current address that kind of thing – and we’ll do the rest.

Get a quote

No obligation, no impact on your credit score

Why The Vehicle Financer

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We’re finance experts

We work with a wide range of lenders, who we know and trust. This helps us get the very best vehicle finance deal for you.

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We’re vehicle experts

We’ve been in the vehicle finance business for over 20 years – we know our stuff. Find your own van, or tap our knowledge, it’s up to you.

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We’re customer service experts

We want you to be happy and we’ll do everything we can to make that happen. If you need some help, just ask.

Our experts know the answer

Do I need a deposit to get van finance?2020-06-19T15:54:31+01:00

No, you don’t need a deposit to get van finance. This means you don’t have to wait to get your new van, you can get it right now. Saving up can take months and could be a real pain, especially if you’re using your van for work and you need a replacement quickly. Having no van can mean no money coming in, so being able to get one with no deposit is a real bonus. If you have a deposit, that’s great, let us know and we can take this into consideration.

Can I get van finance if I’m self employed?2020-06-19T15:54:02+01:00

Yes, we don’t believe being self-employed should stop you from getting van finance. In fact, in our experience most people who apply for van finance are self-employed and are using their van for work – builders, plumbers, decorators those kinds of people. If that’s you, we’d love to help you find the perfect van finance deal for you. If you are self-employed, but not using your van for business, we would, of course, love to help you too.

Can I get finance if my van is for business?2020-06-19T15:53:03+01:00

Absolutely, just let us know when you fill in your application. We have lenders on our panel who specialise in lending to people who need a van for their business. We chose to work with these lenders because we found that lots of people applying for van finance wanted it so they could get hold of another van for their business. If you’re after a van for your business, give us a call, we’d be happy to help.

What information will I need to apply for van finance?2020-06-19T15:57:31+01:00

Applying for van finance is pretty simple, however, we will need to know a bit about you to make sure we get the right deal for your circumstances. So, before you start your application, it’d be a good idea to get the following bits and pieces together:

– your address for the last three years
– details of your employer and your monthly pay
– an idea of your credit score

We know this is personal information, but we need it so we can find you the best van finance deal for your circumstances. And, we will never pass on or sell your details to anyone else.

What are the different types of van finance?2020-06-19T15:52:03+01:00

We offer three types of van finance at The Vehicle Financer, these are:

Hire Purchase  (HP) – you are hiring the car from the lender until you’ve made all the payments, then you legally own the car.

Personal Contract Purchase (PCP) – this is much the same as HP, only at the end of the monthly payments you haven’t paid for the car in full. So, you can either give the car back, use the remaining value of the car as a deposit for another one, or pay what’s called a balloon payment, which makes up the remaining value of the car, and own it outright.

Personal loans – with this type of finance you own the car from the day the dealer is paid. You then make payments to the finance company until the amount you borrowed is paid in full.

There are, of course, pros and cons to each of these, so if you’re not sure which van finance is the best fit for you, give us a call, we’ll talk you through them.

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