Get a used van on finance

Explore finance options across popular van brands and discover dedicated pages for leading van manufacturers.

Top UK van brands
Bad credit considered
PCP and HP options
Top UK van brands
Bad credit considered
PCP and HP options
Ford Transit 2020

Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).

Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.

Van Finance

Compare Used Van Finance

Whatever your business, you may need a van to keep it running smoothly, to transport your tools and equipment, fulfil orders or allow you to travel to work in different locations.

For this, you need a vehicle that is both sturdy and reliable.

Built around business needs

Whether your van is used every day for trade work, deliveries or travel between jobs, finance can help you access a practical vehicle without paying the full cost upfront.

Finance Options

Find the right
van finance

Van finance can help spread the cost of your next vehicle, whether you are looking at a small van, panel van, crew van, dropside, tipper or larger commercial van.

Hire Purchase

Hire Purchase can suit drivers and businesses who want fixed monthly payments and the option to own the van at the end of the agreement.

Personal Contract Purchase

Personal Contract Purchase can offer lower monthly payments and flexible options at the end of the agreement.

Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).

Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.

Ready to compare van finance?

Start your application online and explore finance options across a wide range of manufacturers.

Apply Now

Van Finance: How Does It Work?

A step by step guide:
Our aim at Car Loans UK is to find you the perfect van and finance plan. Our experienced consultants do the hard work, saving you the time and effort. We will actively source you the ideal used van and finance package from our panel of lenders.

Fill in your details

STEP 01

FILL IN
DETAILS

Fill in your details using the form above or click here to begin the process.

Find your perfect used van

STEP 02

WE FIND YOUR
PERFECT VAN

We find you the perfect used van. Whether you have a specific make or model in mind, our team will find the right van for your business needs.

Source your van finance

STEP 03

SOURCE
FINANCE

We work with a panel of UK lenders to try and find you a van finance agreement and payment plan that suits your budget. We carry out the relevant checks and keep you informed every step of the way.

So, let Car Loans UK take the strain of searching for a new van and finance plan away, and begin your journey today.

Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).

Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.

VAN FINANCE

FAQ'S

Frequently Asked Questions about comparing van finance, eligibility, business use and the pros and cons of different finance options.

CONTACT US
Once you have chosen the right vehicle for your business, you can start to compare deals. It is important that you carry out detailed comparisons of all of the finance options available to you.
Many lenders will ask for information regarding your income, credit history and residential status before agreeing to a van finance deal.
Van finance means you will not need as much initial capital compared with buying a van outright, although you may still need to provide a deposit. It can help you access a better quality van, which may be important if you want your business to appear professional with a new or nearly new used van.

A newer vehicle should usually have fewer reliability issues and may be less likely to cause missed appointments. Finance and lease agreements can also include servicing, maintenance and repairs within the contract, helping you focus on your trade or service.

Another advantage of leasing is that depreciation is less of a headache. At the end of the agreement, you can hand the van back and start looking for your next vehicle.
There are advantages to owning your vehicle outright. Once you have made the initial outlay, the van becomes an asset that you can sell at any time if you want to upgrade or no longer need it.

Some people do not like paying monthly for a vehicle they may never own, although this does not apply to lease-to-buy plans. Mileage limits can also feel restrictive if you are unsure how much your business will grow or how heavily the van will be used.
If your business is new, you are self-employed or you have bad credit, the lender may ask for a higher initial payment before agreeing to lend. They may also look at how long you have been at your current address and ask for previous address details.
There may be tax implications to consider when comparing van finance. If you lease a van, you may be able to claim lease payments against your income tax bill, depending on how you pay tax.

If you use traditional accounting, you may claim costs as a capital allowance. If you use cash basis accounting, the position may be similar unless you also use simplified expenses. VAT-registered businesses may be able to claim up to 100% VAT on monthly payments if the van is used only for business purposes. Leasing costs may also be treated as a tax-deductible expense.