Van Finance
& Loans

Car Loans | CarFinance 247
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No impact on your credit score
Rates from 7.9% APR. Representative APR 20.7%
Car Loans | CarFinance 247
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Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6,500 over 5 years with a representative APR of 20.7%, an annual interest rate of 20.7% (Fixed) and a deposit of £0.00, the amount payable would be £168.48 per month, with a total cost of credit of £3,608.67 and a total amount payable of £10,108.67.

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.

Types of van finance

Looking for a van on finance? You’ve come to the right place.

Whether you’re looking for a commercial van or self-employed and need a vehicle for work, there are several types of van finance available:

  • Hire Purchase
    HP Car Finance is a type of loan that’s secured against your van. You’ll pay fixed monthly repayments until you reach the end of the agreement and then you’ll own the vehicle.

  • Personal Contract Purchase
    PCP car finance is like hire purchase, but you don’t have to own the van at the end of your agreement. Instead, you can hand it back, trade it in as a deposit in a new deal or pay the balloon payment to buy it.

  • Personal Loan
    With a personal loan, you’ll receive a lump sum that you can use to buy the van. You’ll be the owner straightaway and can do whatever you like with it as long as you keep up with your repayments.

No matter what type of loan you’re looking for, we’ll look to find you the best deal from our panel of lenders.

Van finance for self-employed

If you’re self-employed and looking for van finance, we could help! Thanks to our panel of lenders, we can help people with a variety of different employment circumstances find the best deal for them. This includes temporary, part-time, and agency workers too.

Bad credit van finance

Yes, you can get van finance with bad credit.

If you’ve ever missed a payment or had a CCJ, your credit could be less than perfect – but that doesn’t mean you have to give up on getting a new van. We could even help if you’ve been refused elsewhere!

It’s not all about your credit score either. We’ll take your individual circumstances into account to find a loan that’s right for you.

Why come to us?

For us, vehicle finance is all about helping people improve their everyday lives.

Whether it’s getting a new van for work, play or every day, we’ll find you the best deal from our panel of lenders.

We can look to find finance for people with a range of circumstances and you’ll have a dedicated account manager on hand to help you through the process.

What’s next? How to apply

Whether you’re looking for a Ford Transit, Renault Traffic, or a VW Transporter, we could help!

It all starts with a quote. If you’re approved in principle, your account manager will give you a call to talk through your options. No strings attached. They can answer any questions you have and give you access to our vehicle search. Found a van elsewhere? We can still help – just let your account manager know.

Frequently asked questions

Yes! At CarFinance 247, we work with a panel of lenders and several of them can offer used van finance options. Lenders may have restrictions on the age and mileage of vans that they’re willing to finance, but your account manager will be able to explain these to you and help you find the right van for you.


Yes, you can finance a van for commercial use. Your dedicated account manager can help you find a van that’s suitable for your work, whether you need something big enough to contain all your equipment or nimble enough to navigate winding country roads.


No, you don’t necessarily need to put down a deposit. If you don’t have a lump sum saved or a part-exchange, we can help you find a no deposit van finance option.


At CarFinance 247, we work with lenders than can finance amounts between £2,000 and £100,000.


At CarFinance 247, we can help you find finance for a used van, but we don’t offer finance for brand new vehicles. We work with a panel of lenders and some of them do set requirements on a van’s age or mileage. Typically, they are unable to finance vans that will be more than 14 years old at the end of the agreement and with more 120,000 miles on the clock.


You can apply for finance if you’re over 18 years old and have a minimum of three years’ address history in the UK.


No, we don’t charge you anything for arranging finance.

You might need to pay an administration fee to the dealer and some dealerships offer optional services that you can pay for, like a delivery or valeting charge. To find out if any fees apply to you, we recommend speaking directly to the dealer you’re buying the van from.


Here at CarFinance 247, we work with a panel of lenders, which means we can help you find finance for a range of different vehicles, including cars, vans, motorbikes, caravans, and taxis.


If you have a van with outstanding finance left to pay, you might be able to get a new one. We work with a panel of lenders and some of them can offer refinancing loans. When you refinance, you’ll take out a new deal and settle your current finance with a one-off payment. Depending on the agreement, this payment could be covered by the new lender or incorporated into your new loan amount.


The paperwork that you’ll need to support your van finance application will depend on the lender that approves you in principle but, in general, they’ll ask to see:

  • Proof of driving licence
  • Proof of income
  • Proof of address

Your account manager will let you know if your lender does need any additional paperwork and can sort all the admin for you.


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* The UK's number one online car finance broker by unique users to the website. Based on Hitwise data – 1,746,657 to CarFinance 247 vs. 666,020 for nearest competitor. January to December 2019.

96% of our customers recommend us: † Based on feedback left on independent review site Reviewcentre. May 2019.

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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