Finance a used van today!
Are you looking to get a van on finance? Look no further than UK Car Finance! Our name may be UK Car Finance, but rest assured we can help you get finance a van with no stress! We have a wide panel of lenders who offer a range of van finance deals. Getting a used van on finance is a great way to purchase your next vehicle, as it allows you to spread the cost into affordable monthly payments! Our friendly and professional team do all the leg work too, from finding the van that’s right for you to liaising with your chosen trusted dealership – we’ve got you covered!
How to buy a van on finance?
Apply online
Get your application off to the right start with our easy to use online application form! We just need to take a few details about you and then a member of our team will give you a call as soon as possible.
Get accepted
We help you to get matched with the most suitable van on finance lender from a range of trusted lenders in the UK. Once you’ve been accepted, you’re free to choose your van from any reputable FCA approved dealership across the UK.
Drive away happy
Sign the paperwork and drive away in your new van! With UK Car Finance, you can enjoy your new van with the confidence that you got the best van finance deal.
We could offer you finance, if you meet the following criteria:
✅ You are 18 and older
✅ You have been a UK resident for 3+ years
✅ You have a full UK driving licence
✅ You are not bankrupt
✅ You can prove you can afford to get a van on finance
Can you say yes to all the above?
Types of finance for vans:
If you’re considering getting a used van on finance, there are a number of ways in which you could fund your next van. We specialise in hire purchase vans as it can be one of the most straightforward ways to get a van. Some lenders may require you to put down a deposit, but we do have some van finance no deposit options available for you! Within a hire-purchase agreement, you then pay back the loan in affordable payments each month over an agreed term. When you have made all the payments, at the end of your agreement, you will then own the van outright. Find out more about hire purchase and how it works.
If you want more flexibility from your van finance deal, you may consider financing a van through PCP. Personal Contract Purchase (PCP) is well known for giving the customer more freedom when it comes to getting a car or van. PCP cars tend to be the most popular but you can also use a PCP deal to get a van. Monthly payments tend to be lower as you don’t spread the cost of the value of the vehicle and instead cover the rate of depreciation.
Which documents do I need to finance a van?
Get your van finance application off to the best start by gathering all your documents before you apply. When you are matched with the lender that’s right for you, you will usually be asked to provide a few pieces of documentation. You will need to be able to prove your affordability and that you can afford to pay back your payments on time and in full. This is usually done by the lender requesting bank statements to verify your income. Each of our lenders has different regulations on which van finance documentation they require. The most common types of documents you may need to provide are a full UK driving licence, address history, bank statements, and bank details.
Calculate your van loan
Not sure how much you can afford to put towards your van payments each month? Use our FREE online car finance calculator to find out! All you need to do is let us know your monthly budget, preferred length of the agreement, and your current credit rating and you can calculate the loan amount you could be offered for your next van!
Can I get a used van on finance if I’m self-employed?
For many self-employed workers, having a car or van is essential to the day-to-day running of their business. It’s a common misconception that being self-employed means that you may struggle to prove your affordability. However, at UK Car Finance, we understand that your income is sometimes varied or not always paid into a bank account. If you receive cash in hand, it’s a good idea to deposit this into a UK bank account in the run-up to your application. You will usually be asked to provide 3 months’ worth of bank statements to prove your employment history and also how good you are at managing your money when applying for used van finance.
Which type of van can I get finance for?
The beauty of using a van finance broker like UK Car Finance is the ability to choose the van that meets your business or personal needs from across the UK. We’ve teamed up with some of the most trusted dealerships in the UK and you can choose from 100s of used vans. So whether you’re a joiner, dog walker or florist, we can help you find a van within your budget to suit your needs. We can source a range of small, medium and large vans whilst comparing the best van finance deals on your behalf.
Is it possible to get guaranteed van finance?
Unfortunately, no van finance company or lender can offer you guaranteed van finance. There are certain van finance criteria that must be met before a lender can offer you a deal. Lenders could never offer guaranteed van finance as it goes against the rules of responsible lending. All lenders in the UK adhere to responsible lending practices to make sure they don’t lend to anyone who can’t afford to finance a van. Van finance companies who advertise finance as ‘guaranteed’ are misleading consumers into thinking anyone can be accepted and instead will depend on your affordability, credit score, employment status and more. If you’re not sure where you fall on the credit scale, use our free car finance checker to find out!
Finance a van with UK Car Finance
☑️ Van finance with no deposit available
☑️ No impact on your credit score
☑️ Any used van from any FCA dealership
☑️ Affordable van finance deals
☑️ Low-interest rates available
☑️ Personal and business use vans
☑️ Part-exchange available
☑️ Fast and friendly service
Find the perfect used van for you!
Explore our blog to find all the latest news and our list of the best-used vans you can buy on the market UK.
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