Good credit can make getting approved at a lower interest rate easier. However, it isn’t impossible to get van finance with bad credit or little credit history. It means you may need to use a specialist lender who offers a higher interest rate.

However, no responsible lender can offer guaranteed van finance, and being approved depends on several factors like your credit history and affordability.

We’re one of the UK’s leading specialist lenders, with over 30 years of experience helping people onto a better road ahead.

Yes, it is possible to get an instant decision for van finance, even if you have bad credit.

If you don’t have the money to put down a deposit for a new van, you might be looking for van finance with no deposit. Unfortunately, we don’t currently offer this.

We understand that saving up a deposit can be tricky. Putting down a deposit can help reduce your monthly payments. As bad credit specialists, we make sure that our van finance agreements are affordable and tailored to your needs. This is why our van finance requires a deposit.

It’s a common misunderstanding that getting van finance with bad credit requires a guarantor. However, some specialist lenders don’t need a guarantor to help people with poor credit.

We don’t offer the option of having a guarantor, and with over 30 years of experience helping thousands of customers each month, we could help you finance the van you need.

There is no minimum credit score to get van finance, even if you have bad credit. While having a good credit score can make getting approved easier, it’s still possible to get van finance with poor credit because there is no minimum score requirement.

With over 30 years of experience, we could help you onto a better road ahead.

Applying for van finance might affect your credit score, depending on which lender you apply with. Some lenders use a hard search at the point of application, which can affect your credit score. Others only use a soft search when you apply, so make sure you understand which is used before making any applications.

When you make an application, we use a soft credit check. This doesn’t affect your credit score and gives you an instant decision as to whether we could help. We only use a hard credit check when you’ve found the right van and contracts are drawn up for you to sign.

Credit checks are an important part of the van finance application process. It’s important to know that there is no such thing as no credit check van finance.

How much your van finance will cost depends on several factors, including your credit history and affordability. Everyone’s eligibility is different, and having bad credit can make it more difficult to get van finance.

To get started, try out our van finance calculator. It will show you how much your van finance with bad credit might cost, depending on how much you would like to borrow and for how long.

If you’ve experienced bankruptcy in the past, you might think it’s impossible to get van finance because of the impact on your credit file. To be eligible with us, you must have been discharged from your bankruptcy for a minimum of 6 years.

Having a CCJ or IVA on your credit file can make it more difficult to get van finance. This is because you’ve missed payments in the past, which means you could be seen as a higher risk to lend to.

This doesn’t mean it’s impossible to get van finance with a CCJ or IVA. It just means you might have to use a specialist lender.

You could join the thousands of people we help each month onto a better road ahead. Even if you have a CCJ, IVA, or have been refused by other lenders, we could help.

Leasing can help you get a newer van more often, with monthly payments typically lower than what you’d have on van finance.

However, when you lease a van, you will never legally own it. At the end of the rental period, you must return the van to the leasing company or dealership.

On the other hand, our Conditional Sale finance allows you to legally own the van once you make your final payment. Unlike van leasing, there are no mileage restrictions.

Buying a van on finance is a big commitment, so if you are looking to upgrade often, leasing may be more suitable. Learn more in our guide comparing van finance and leasing.

If you have bad credit, it might be tricky to get the Luton van you need, and you might have been rejected before. It shouldn’t be impossible, it just means you might have to use a specialist lender.

We have over 30 years of experience helping people up and down the UK, including Northern Ireland. If you have a particular Luton van in mind, make sure it meets our lending criteria.

If you’re looking to finance a van for your business, whether you’re self-employed, a tradesperson, contractor, or a director of a Limited Company, we could help.

Unfortunately there are some restrictions for what we can finance and who we can help.

We aren’t able to finance for:

• Specialist LCVs, such as cranes, cherry pickers, or vans with specialised bodywork
• Mini buses or mini cabs
• Vans to be used for removal purposes
• People looking to finance a van through their Limited Company