Horsebox finance

I wish to purchase a 3.5T horsebox from a Main specialist dealer in these vehicles. It is second hand an 05 plate.

Would I be able to use a car finance loan for this type of purchase?

Asked by Andrea
December 2, 2012

Hi Andrea, thank you for your question.

You are in luck as we have a few specialist lenders on our panel that allow customers to purchase vehicles such as horseboxes, provided that they can offer you an approval. Some form of deposit would help our cause and as long as the horsebox isn't over 3.5T you'll be able to drive it with a normal full UK licence.

Please make an application when you're ready, and if approved, you can choose a vehicle from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

My monthly budget is

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Rates from 8.9% APR. Representative APR 19.9%

My monthly budget is

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Rates from 8.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £10,000 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £255.50 per month, with a total cost of credit of £5,329.80 and a total amount payable of £15,030.

We look to find the best rate from our panel of lenders and offer you the best deal that you're eligible for. We earn a commission for providing our services, but this does not influence the interest rate you’re offered in any way.

Amount to borrow

To pay over

5 years

Assuming your credit profile is:

Total cost of credit	£ 2000
Total repayment	£ 2000

48 monthly
payments of

£ 245 98

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Rates from 9.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £25,000 over 48 months, £3,750.00 deposit, on PCP, with annual mileage of 8,000pa, and a representative APR of 11.9%, an annual interest rate of 11.9% (Fixed), the amount payable would be £394.51 per month, an optional final payment of £7,194.33, with a total cost of credit of £9,912.36 and a total amount payable of £28,444.33.

We look to find the best product from our panel of lenders and will offer you the best deal that you’re eligible for. We earn a commission for providing our services, but this does not influence the interest rate you’re offered in any way.

Vans related questions

Hi, when purchasing a van on finance is it possible to have the VAT put on the finance or does it have to be paid as a deposit? Thanks

Asked by Dean
December 2, 2012

Hi Dean, thank you for your question. Unfortunately all van finance lenders will not finance the VAT on a van so that needs to be covered by yourself by way of cash deposit or part exchange. Do you have a deposit and is it a new or used van you’re after? Regards, Rachel

I work for a security company who I pay £500 per month to rent a van. I'm self employed, have no deposit and I think I have a poor credit rating. Would I be able to get finance for a van?

Asked by Malcolm Wilson
December 2, 2012

Hi Malcolm, we can help self employed people who have bad credit get a car loan however, you’d have to have 3 months bank statements proving your income. A deposit isn’t essential so i wouldn’t be too concerned about this. Please apply for van finance on our site when you get chance. Kind Regards, Rachel

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 t

Asked by William Mallam
December 2, 2012

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

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
December 2, 2012

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

Can you help get me van finance here in Northern Ireland?

Asked by Paul
December 2, 2012

Hi Paul, it is a possibility if you have good credit. Is this the case? Kind Regards, Rachel

Hi, I am in need of a van. I am setting up my own courier business and I am signed up to at least 5 different portals and have a varying array of potential business. I have very bad credit and am not accepted anywhere for start up funds. Can you help.

Asked by Terry Anderson
December 2, 2012

Hi Terry, as you have bad credit, are self employed and need a van you'd need to be able to prove your income (bank stats etc) - is this possible?

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
December 2, 2012

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).

Hi Rachel, do you offer van finance loans to people with bad credit?

Asked by Simon Wells
December 2, 2012

Hi Simon, yes we can offer van finance deals and fantastic offers to people like yourself who may have a poor or bad credit history.

Have you seen a van you’d like to purchase already and how much are you looking to borrow? Are you on the voters roll and do you have a full UK driving licence? Are you employed or self employed?

Sorry for all the questions! If you are self-employed you’ll need 3 months bank statements as proof of income. If you are employed you’ll need 3 months payslips. Please make an application when you’re ready and once approved we provide a no obligation quote and you can get a van from any dealer. Kind Regards, Rachel

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
December 2, 2012

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?

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CarFinance 247 Ltd.,
Universal Square,
Devonshire Street North,
Manchester,
M12 6JH,

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* The UK's largest online car finance broker by unique users to the website. Based on Similar Web data – 1,137,647 to CarFinance 247 vs. 753,819 for nearest competitor. January to June 2023.

CarFinance 247 is a trading name of CarFinance 247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525).

CarFinance 247 is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 653019). CarFinance 247 is registered with the ICO (Registration Number Z1897658).

Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request.

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