Bad credit van finance

Are you looking for bad credit van finance? Trying to get van finance but worried you have a poor credit history? We’ll help guide you through the process.

Bad credit van finance

Are you looking for bad credit van finance? Trying to get van finance but worried you have a poor credit history? We’ll help guide you through the process.

There is no minimum credit score you need to get van finance with bad credit. This is because lots of different personal factors are taken into account when a lender decides whether to give finance to you. If you have bad credit, even if you have a CCJ or are currently in an IVA, we can still help to provide finance so you can get the ideal van for you. 

We are bad credit van finance specialists and work hard to make sure our customers get the right van for them. We only use a soft search at application, which means it won’t affect your credit score, helping you secure a bad credit van loan and move forward on a better road ahead.

Apply for bad credit van finance

To apply for van finance with bad credit, we would always suggest using our van finance calculator to start off with. This will give you a clear idea of what your van finance agreement could look like, depending on what repayment term and the amount you are wanting to borrow.

When you know what you’d like to borrow and for how long, then applying for a van loan with us is simple, even if you have poor credit or little credit history.

It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.

There is no minimum credit score you need to get van finance with bad credit. This is because lots of different personal factors are taken into account when a lender decides whether to give finance to you. If you have bad credit, even if you have a CCJ or are currently in an IVA, we can still help to provide finance so you can get the ideal van for you. 

We are bad credit van finance specialists and work hard to make sure our customers get the right van for them. We only use a soft search at application, which means it won’t affect your credit score, helping you secure a bad credit van loan and move forward on a better road ahead.

Apply for bad credit van finance

To apply for van finance with bad credit, we would always suggest using our van finance calculator to start off with. This will give you a clear idea of what your van finance agreement could look like, depending on what repayment term and the amount you are wanting to borrow.

When you know what you’d like to borrow and for how long, then applying for a van loan with us is simple, even if you have poor credit or little credit history.

It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.

Getting van finance with bad credit

We understand the importance of having a van that is reliable and trustworthy, but most importantly a van that will help you get your job done. With our selection of broad finance options, we should be able to help you find the right van.

Getting van finance with bad credit

We understand the importance of having a van that is reliable and trustworthy, but most importantly a van that will help you get your job done. With our selection of broad finance options, we should be able to help you find the right van.

To get started with van finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 21 and 70
  • A full valid UK driving licence
  • 2 consecutive months of payslips or bank statements

We can provide a van on finance so long as it meets the following criteria:

  • It must be priced between £4,000-£25,000
  • It must not have more than 125,000 miles on the clock
  • It must not be more than 12 years old by the end of the agreement
 
 

To get started with van finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 21 and 70
  • A full valid UK driving licence
  • 2 consecutive months of payslips or bank statements

We can provide a van on finance so long as it meets the following criteria:

  • It must be priced between £4,000-£25,000
  • It must not have more than 125,000 miles on the clock
  • It must not be more than 12 years old by the end of the agreement
 
 

What your van finance could look like

Summary

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 31.9% APR

What your van finance could look like

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 31.9% APR

Unfortunately, my previous van had to be repossessed and I went through an IVA, which made getting finance very tricky, but luckily I found Moneybarn. Moneybarn were able to finance me for a Transit Custom, which is a van I’ve wanted for a while. They have a real personal touch to the whole process!

Warren
Moneybarn customer Warren
Moneybarn customer Warren

Unfortunately, my previous van had to be repossessed and I went through an IVA, which made getting finance very tricky, but luckily I found Moneybarn. Moneybarn were able to finance me for a Transit Custom, which is a van I’ve wanted for a while. They have a real personal touch to the whole process!

Warren

Guides for van finance with bad credit

Guides for van finance with bad credit

Buying a van

There’s a lot to consider when buying a new van, luckily we have a useful guide to help you through the process from beginning to end. 

Which van brand is right for me?

With so many different van brands on the market, it can be difficult to know which one is right for you. Take a look at the different van brands and models in our useful guide to help you decide.

What affects your credit score

If you have a poor credit history, you might not know what affects your credit score. Our guide explains all you need to know.

How to improve your credit score

Improving your credit score is one of the many things you can do to improve your chances of getting van finance with bad credit. Find out more in our guide.

Buying a van

There’s a lot to consider when buying a new van, luckily we have a useful guide to help you through the process from beginning to end. 

Which van brand is right for me?

With so many different van brands on the market, it can be difficult to know which one is right for you. Take a look at the different van brands and models in our useful guide to help you decide.

What affects your credit score

If you have a poor credit history, you might not know what affects your credit score. Our guide explains all you need to know.

How to improve your credit score

Improving your credit score is one of the many things you can do to improve your chances of getting van finance with bad credit. Find out more in our guide.

Frequently asked questions

Frequently asked questions

Your eligibility for van finance will depend on a number of personal factors. These include your credit score and affordability checks.

If you already have a van in mind that you’d like to finance, then make sure it meets our lending criteria.

Getting a quote with us will not affect your credit score at first. When you ask us for a quote, only a soft search will be done on your credit file until you decide to proceed with the loan and contracts are drawn up for you to sign. At this point a hard search will be done on your credit file which will affect your credit score.

No matter what your credit score is, there will be a lender out there that will be able to help you finance a van.

We support those with bad credit to move forward onto a better road ahead. So, if your credit score is less than perfect take a look at what we could lend you by getting a quote today. We will only do a soft search on your credit file when you ask for a quote, so this won’t affect your credit score.

Yes, you can. We can help you get van finance when self-employed. Your income before tax must be at least £1,300 and we’ll need to see proof of your income which can include your most recent submitted self-assessment tax return.

No, unfortunately guaranteed van finance is a myth and it doesn’t exist. This is because a lender will never be able to guarantee you finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get van finance.

We specialise in providing van finance to people who have a poor credit history, or have experienced financial difficulties in the past. If you were previously made bankrupt, we may still be able to offer you van finance, but you must have been discharged from your bankruptcy for a minimum of 6 years at the point you apply with us.

Getting no deposit finance depends on a number of individual factors, such as your income, affordability and credit file.

Your eligibility for van finance will depend on a number of personal factors. These include your credit score and affordability checks.

If you already have a van in mind that you’d like to finance, then make sure it meets our lending criteria.

Getting a quote with us will not affect your credit score at first. When you ask us for a quote, only a soft search will be done on your credit file until you decide to proceed with the loan and contracts are drawn up for you to sign. At this point a hard search will be done on your credit file which will affect your credit score.

No matter what your credit score is, there will be a lender out there that will be able to help you finance a van.

We support those with bad credit to move forward onto a better road ahead. So, if your credit score is less than perfect take a look at what we could lend you by getting a quote today. We will only do a soft search on your credit file when you ask for a quote, so this won’t affect your credit score.

Yes, you can. We can help you get van finance when self-employed. Your income before tax must be at least £1,300 and we’ll need to see proof of your income which can include your most recent submitted self-assessment tax return.

No, unfortunately guaranteed van finance is a myth and it doesn’t exist. This is because a lender will never be able to guarantee you finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get van finance.

We specialise in providing van finance to people who have a poor credit history, or have experienced financial difficulties in the past. If you were previously made bankrupt, we may still be able to offer you van finance, but you must have been discharged from your bankruptcy for a minimum of 6 years at the point you apply with us.

Getting no deposit finance depends on a number of individual factors, such as your income, affordability and credit file.

Buying your next van

We want to make sure you purchase a reliable van, that doesn’t break the bank. That’s why we’ve put together this helpful guide to help you buy your next van.

Self-employed van finance

Need a van but can’t get one due to poor credit? We will consider offering you van finance if you’re self-employed and have bad credit. See how we could help you.

Our application process

It’s important that you understand the finance agreement that you could be entering. See how our van finance application process works from start to finish.