I need a van loan so that i can get a vehicle for business use. Can you help?

Hi, I'm just wondering of you could help. I am looking for van finance for my business and have been refused with other lenders. I have a deposit of £500 / £700. But I do not want to keep applying to lenders as this is just affecting my credit which at this time is not the best. Can you help? Regards, Billy

Asked by William Mallam
May 15, 2014

Hi William, thank you for your question. As we act as a broker we asses your credit profile and try and match you with a lender that best meets your personal circumstances. The fact that you have a deposit is great news and i take it that you have bank statements to prove your income if required? Where have you applied recently and been refused? If you could let me know it'll give me a better idea on whether we can help or not. Please make an application and once approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel


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I am thinking of getting a van to start my courier business. I have pending contracts but no van. My credit is currently bad and I am a self employed football referee receiving payments mostly cash in hand and some through my account. What options are ava

Asked by Tony Curtis
May 15, 2014

Hi Tony, we may well be able to get you approved in principal but as you have a poor credit history you'll need to be able to prove your income to show you can afford the van. Do you have payslips or bank statements proving your income at all?
Tim Carpenter
Tim Carpenter Car Finance Expert

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I have a Volkswagen Transporter, 2006 model, 1.9 tdi 104, roof rack tow bar etc, really great condition and hasn't yet reached 100000 miles. I would like help in part exchanging and finance for me, a person with bad credit, to upgrade to a newer van, pref

Asked by Stuart
May 15, 2014

Hi Stuart, we have one lender that provides finance for vans when customers have bad credit so please apply when you can. Regards, Rachel
Tim Carpenter
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My business has been running over 2 years, need 2nd van as expanding. My credit is getting better but has been bad in the past. I have proof of income by way of bank statements, electoral roll history and been at the same address for over 4 years. Can yo

Asked by Peter Ashton
May 15, 2014

Hi Peter, as you can prove your income and have a stable residential history i'm confident we could get you approved for van finance. Please make an application asap. Rachel
Tim Carpenter
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Hi, I'm a newly self employed electrician with a poor credit histrory (I was silly when I was young and then being paid off didn't help). I have manageable debt that I'm paying off but in desperate need of a van or I cannot continue being self employed. I

Asked by Daryl Johnston
May 15, 2014

Hi Daryl, we have 1 lender that may be able to help. Please apply and we'll get back to you within the hour. Regards, Rachel (let me know your reference number too).
Tim Carpenter
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Hi, i've recently left my full time job to become a self employed courier. I'm torn between buying a van or leasing 1... I'd prefer to lease as i only have about 4k but i worry about my credit rating and the fact i'm just starting as self employed? Any

Asked by Richard Baker
May 15, 2014

Hi Richard, how is your credit rating at present? If you have bad credit we won't be able to get you approved for van finance but if you currently have good credit we should be able to help out. Thanks, Rachel
Tim Carpenter
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Hi, I am self employed with a poor credit history, but i have been trying to pay it back for the last two years and haven't missed any payments. I have been in continuous work for the last 2 years and can prove my income with bank statements and tax retur

Asked by K
May 15, 2014

Hi K, if you've been paying everything back on time for the last 2 years then there's a strong possibility that we can help even though you have a poor credit history. It's also good to note that you can prove your income with bank statements etc. Would you have a deposit at all and are you on the electoral roll? If so, please make an application on our site and we'll take it from there :-)
Tim Carpenter
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Hi Rachel, I run my own limited building company which is expanding at a very quick rate. I have nearly been booked up for 2014. I was in a partnership which I terminated due to my partner taking money from the business without my knowledge, ultimately en

Asked by Sam Keogh
May 15, 2014

Hi Sam, thank you for your question.

We do have lenders that help people in debt management plans get van finance. As long as you can prove 3 months income with bank statements or payslips, have a UK licence and have some current clean credit we should be able to get you approved.

Once approved we offer a no obligation quote and you can choose your van from any dealer. Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

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Hi Rachel, I'm a self employed builder that requires a new van, as my old one is getting too unreliable. My credit rating is poor, due to mortgage arrears, which are currently reducing as my work has really taken off and i am booked up for the next 6 - 8

Asked by Brendan
May 15, 2014

Hi Brendan, we potentially may be able to get you approved for finance around the £5000 mark - would that be of any use? Also, can you prove your income with bank statements, do you have a deposit and are you on the electoral roll? Rachel
Tim Carpenter
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Hi there I'm looking for a van around the £5000 mark. I have pretty poor credit, are there any lenders that will give finance without a guarantor? I don't want to go down that road,every lender I have approached wants a guarantor. Thanks in advance. Marc

Asked by Marc Johnston
May 15, 2014

Hi Marc, thank you for your question. We do have a few lenders on our panel that help people with poor credit obtain van finance. These particular lenders don't necessarily need a guarantor but we do have one lender where if approved a guarantor is required. Please make an application and once approved you can choose a van from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

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