Van finance calculator

Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative APR 19.8%.

Representative example: borrowing £7,500 over 5 years with a representative APR of 20.25%, an annual interest rate of 20.25% (Fixed) and a deposit of £0.00, the amount payable would be £192.84 per month, with a total cost of credit of £4070.40 and a total amount payable of £11,570.40.

We will always provide the best rate from our panel of lenders and based on your individual circumstances. We do not charge any fees for our service. But we earn a commission from the lenders we work with. This does not affect the interest rate you will be offered.

What are the payment options for used van finance?

While we believe van finance should be straightforward, we also believe in giving our clients as many payment options as possible.
The main financing plans we offer are:

  • Personal Contract Purchase (PCP) - You can make a deposit (minimum 10%), and then make fixed monthly payments for 3 to 4 years depending on the term of the agreement. If you wish to own the van outright, you make a balloon payment at the end of the term. Learn more about PCP here.
  • Hire Purchase (HP) – This requires giving an initial deposit of at least 10% and then making monthly payments until you eventually own the van outright. You can learn more about HP here.
  • No Deposit - Yes, it is also possible to buy a used van on finance without the upfront deposit dependent on your circumstance. In this case, you make up for the deposit by repaying a little more in monthly payments that you can actually afford.

Used van finance FAQs

If financing a used van is better for your budget then yes.

We have used van deals from highly reputable dealers that we’ve worked with for years, so you can be confident that you’re getting a great deal. Or, if you’ve found a van already, we’ll complete all the checks on the dealer to ensure we can work with them.

The process of acquiring finance for a used van is so quick and straightforward, you’ll feel like your van is brand new.

We carry out free history checks on all used vans to ensure the vehicle has no outstanding payments remaining and hasn’t been previously stolen or written off.

In the history check, we extensively check the background of the van to verify the mileage and credentials so that we are confident that the vehicle is fit for resale.

There is no simple yes or no answer to this question.

There are various factors that contribute to the cost of insurance. Used vans are more likely to break down which can increase the cost of insurance.

The company handling your insurance will create a tailored plan based on your driving history and individual circumstances.

No. During the application process we will only carry out an initial “soft credit search”, which does not affect your credit score.

A soft search determines the quote given to you and if you’re happy with the quote, we can move forward with your application and conduct a full credit check.

Apply for your used van finance today!

The online application for used van finance takes a few minutes, and we won’t ask for any unnecessary information. The initial application will not affect your credit score.

Once you complete your application, our friendly customer service team will be in contact with you to discuss the next steps.

*representative APR of 19.8%