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Van Finance Deals

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Rates from 8.9% APR. Representative 19.8% APR.
Car Finance 247 Limited is a credit broker, not a lender.
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Rates from 8.9% APR. Representative Example: Borrow £12,000 over 5 years with a £0 deposit. Representative 19.8% APR fixed rate. Monthly payment: £306.04. Option to purchase fee £10 payable. Total cost of credit: £6,372.40. Total amount repayable: £18,372.40.
Car Finance 247 Limited is a credit broker, not a lender.

Rated 'Excellent' by our customers

Are you looking for van finance but finding it hard to find a suitable deal? We're here to help.

At Car Finance 247, we believe in breaking down the barriers to van ownership that crop up for many drivers, making the process of getting a decent van finance deal as easy as possible. 

Rather than choosing your vehicle and then arranging a finance agreement, we've decided to turn the finance industry on its head. Instead, you can make sure you get the right deal before sourcing your van, leaving you safe in the knowledge that you'll be able to find the right loan for your needs.

Of course, finance can never be guaranteed, but we promise we'll do our best to find the perfect van finance deal from our wide panel of lenders. You'll also be paired with a dedicated account manager, who can help you through the process with ease.
Apply now to get your decision in minutes

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:

  • HP (Hire Purchase) - With Hire Purchase, you hire your van from your lender, owning your vehicle once the monthly payments have been made. You’ll own your van at the end of your agreement, although this can make your monthly instalments slightly higher than other forms of finance.

  • PCP (Personal Contract Purchase) - Personal Contract Purchase is slightly different to Hire Purchase. Whilst you’ll still pay a set amount per month, you’ll also have the option of returning your van at the end of your contract. If you’d like to keep your vehicle, you’ll need to pay a balloon payment when your deal terminates.

  • Personal loans - When you take out a personal loan, you borrow a set amount of money against your van. You may not need to pay a deposit, but your monthly payments could change each month depending on the current interest rate. At the moment, we don’t work with lenders that offer personal loans.

Hire Purchase and Personal Contract Purchase tend to be the most popular finance options, although it's important to understand the differences before committing. 

If you're thinking of buying a new van, our how to choose the right Van for you blog may be of use. Alternatively, if you think you’re ready to get started, just click the 'Get my quote' button below and we’ll get the ball rolling.

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.
Apply now to get your decision in minutes

Van Finance Calculator

Vehicle Price
£
Deposit
£
Finance Term (Months)
Your Credit Profile
Type of Finance
47 monthly payments of£175.13at 9.9% APR
Breakdown
Vehicle Price
£10,000.00
Deposit
£0.00
Amount to Finance
£10,000.00
APR
9.9%
Optional Final Payment
£4,589.42
Option-to-purchase fee
£10
Total Cost of Credit
£2,820.53
Total Repayable
£12,820.53
Excess Mileage Charges
If you exceed your maximum mileage for your PCP agreement you may need to pay an excess mileage charge, which may vary between lenders.

Car Finance 247 Limited is a credit broker, not a lender.

Credit is subject to status.

Why should I finance my van instead of buying it outright?

There are many reasons why you might want to use a finance company for your new van, rather than paying for it outright. Of course, this is something that will depend largely on your current circumstances. 

However, the most common reasons for taking out a finance deal over purchasing your van include:

  • The cost of your van can be spread out into manageable monthly payments, instead of paying for it all at once
  • If you want to change your vehicle at regular intervals, a finance agreement may be more suitable, allowing you to enjoy a new van every few years
  • When using PCP, there is no commitment to ownership
  • Options for no deposit finance exist, so you may not need to place a down payment at the start of your van leasing period.
  • Using a dedicated finance company like Car Finance 247 can help to make the process much easier, taking the hassle out of your hands

Find out more in our Choosing car finance vs buying a car outright blog article.

If financing a van is preferable to paying for it outright, you can see how much you could pay by getting a quote.
From our expert
“Van finance offers a practical solution for businesses and individuals looking to spread the cost of a new or used van. Thanks to our flexible finance plans, you can choose the right option for you. Whether for work or personal use, van finance makes getting the right vehicle more affordable and manageable”
Louise Haines
Louise Haines
Head of Partnerships at Car Finance 247

Tips for buying a secondhand van

If you want to buy a used van, there are some things you may need to look out for before committing. If you're purchasing a secondhand vehicle, some wear and tear should be expected, depending on the age of the van.

However, to keep your maintenance bill as low as possible, you should also carry out a thorough inspection of your chosen vehicle. Some garages offer inspection services, so even if you're not mechanically minded, you may be able to hire someone to do the job for you.

However, there are a few things you can check yourself before committing to a van finance deal:

  • Go under the bonnet to check the fluid levels for your windscreen washer fluid, oil, brake fluid and coolant
  • Test drive your preferred vehicle and listen for any unusual noises which could indicate a fault
  • Check the exterior and interior of your vehicle thoroughly, including tyre tread, faulty electrics, paintwork scratches and chips, rust, upholstery rips and other signs of damage.
  • Check the van's previous history. You can view previous MOT information for free online on the government's MOT history webpage. You should also consider checking the previous service history of the vehicle, as well as the number of owners and the V5C registration form.

Whilst these actions won't necessarily ensure your van is risk-free, they will help to reduce the likelihood of a fault occurring after purchase. Find out more by viewing our used car buying checklist.
Apply now to get your decision in minutes

Van finance made easy with Car Finance 247

Whether you want van finance for your business or you'd just like something more roomy for transporting luggage, Car Finance 247 is here to help. 

It all starts with a quote.

Once you're approved in principle, your dedicated account manager will get in touch to guide you through the process and try and secure the perfect van finance deal for your needs. It doesn't matter whether you're new to the world of finance deals or if you're an old hand - our commitment to customer service ensures we'll always do our best to help you.

Not sure which van you'd like to drive away in? You'll get access to our used vehicle search when using our services, giving you greater choice over your finance options. And if you already have a particular van in mind, that's absolutely fine too. Just let your account manager know which vehicle you'd like, and they'll get you started in no time.

It's easy enough to see your finance options by clicking the 'Get my quote' button. And if you feel you need more help first, please get in touch with our expert team here.

Why come to us for van finance?

A helping hand

At Car Finance 247, used van finance is all about helping people improve their everyday lives. We believe that everybody deserves a feel-good car buying journey. We’ll use our experience to find the best deal from our wide panel of lenders. Because when it comes to finding car finance, we go the distance.

Dedicated account manager

Plus, you’ll have a dedicated account manager on hand to help guide you through the process, so there’s nothing to worry about.

Finding you the best deal

Whether it’s sorting out the school run, getting that big boot for the big shop, or a car you’re proud to park outside the office, we’ll work to find you the best deal from our panel of lenders, even if you have bad credit. Credit is subject to status.

We only work with trusted partners and lenders

ClearScore
Compare the Market
Experian
Credit Karma

Frequently Asked Questions

  • Yes, you could! At Car Finance 247, we work with a panel of lenders, some of which could 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 could finance a van for commercial use. Your account manager can help you find a van that’s suitable for your work, whether you need something big enough to hold all your tools or nimble enough to navigate narrow rural roads.

  • When you decide to make an enquiry with Car Finance 247, it all starts with a quote. 

    Once we’ve received your application, our wide panel of lenders will try and source the best deal for your needs. If you are approved in principle, your account manager will contact you to discuss the next steps and take care of all the admin and paperwork. They will also negotiate with your vehicle dealer on your behalf, making the process as easy as possible.

    Whether you’ve already found the perfect van, or you would like to sort your finance first, we could help.

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

  • At Car Finance 247, we work with lenders than can finance amounts usually between £3,000 and £200,000, but please speak to us if you need to explore other options.

  • At Car Finance 247, we could help you find finance for a used van, but we don’t offer finance for brand new vehicles. We work with a wide 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, but please get in contact if you have any specific requirements and we could explore this.

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

  • 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 may 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.

  • Depending on the type of borrower you are, financing a van could have either a negative or a positive impact on your credit score. When you take out a new finance agreement, you are technically adding debt to your file, so you may see a drop on your credit report at first.

    However, if you manage to keep up with your monthly payments, you may actually improve your credit report, as you can prove to future lenders that you’re able to pay off your debts. This factor works in reverse too - if you fail to keep up with your repayments, your credit score may drop, limiting your finance options in the future.

  • This question is tricky to answer, as it’s something that depends largely on your circumstances. However, a deposit of around 10% is usually considered good, and the more you put down, the lower your monthly repayments may be. A larger deposit could even result in a shorter van finance deal, which may be beneficial if you’d like to change vehicles sooner rather than later.

    However, we also offer no deposit van finance, so if you’re not able to put much money down at the moment, we may still be able to help you.

  • If you have a poor credit score, you may find yourself feeling concerned about your chances of getting a suitable finance agreement. The good news is that at Car Finance 247, we have a wide panel of lenders, some of whom can offer finance deals for people with bad credit.

    Whilst we can’t guarantee a deal, there’s no harm in getting a quote. We may also be able offer van finance for people who have previously been refused elsewhere - find out more on our dedicated Refused Car Finance page. Credit is subject to status.

  • The answer to this question will depend on your own personal circumstances, but for many people, finance may be the most suitable option. If you already have the money for your chosen vehicle in the bank, paying for it outright could be cheaper in the long run.

    However, if you don’t have the money saved or you’d prefer not to spend it all on your new van, taking out a finance deal could be the ideal solution, but you may be paying interest over the term. If you’re the sort of person who likes driving a different vehicle every few years, you may also find that a PCP finance agreement is more suitable for your needs.

  • You may find that your van finance is tax deductible, depending on why you want to drive a van. Business vehicles may qualify for capital allowances, enabling you to deduct some of the value from your profits before you pay tax.

    If you’re classed as self-employed, you may be able to claim for allowable business expenses for things such as:

    • Van insurance
    • Fuel
    • Parking charges
    • Repairs, services and maintenance charges
    • Vehicle licence fees
    • Hire charges

    For further information, please visit the government website.