Bad credit van finance

Worried about getting van finance with poor credit? Let us guide you through the process of getting bad credit van finance.

Bad credit van finance

Worried about getting van finance with poor credit? Let us guide you through the process of getting bad credit van finance.

What is bad credit van finance?

If you have a poor credit score or a bad credit history, you might assume that it’s impossible to get van finance. While having good credit can make it easier to get approved, it’s still possible to get van finance with bad credit. You may, however, need to use a specialist lender.

Bad credit van finance is when you borrow money to buy a new van and make monthly payments over an agreed time. This is designed to help people who have experienced financial difficulties in the past or have been rejected by other lenders.

Who is eligible for van finance with bad credit?

What is bad credit van finance?

If you have a poor credit score or a bad credit history, you might assume that it’s impossible to get van finance. While having good credit can make it easier to get approved, it’s still possible to get van finance with bad credit. You may, however, need to use a specialist lender.

Bad credit van finance is when you borrow money to buy a new van and make monthly payments over an agreed time. This is designed to help people who have experienced financial difficulties in the past or have been rejected by other lenders.

Who is eligible for van finance with bad credit?

We understand that having bad credit doesn’t change the need for a reliable van, whether it is for business purposes if you are self-employed, or for personal use. We can help you find the right van for your needs.

We specialise in helping people with bad credit get the van finance they need.

With over 30 years of experience helping people up and down the UK, we can help you onto a better road ahead. Even if other lenders have turned you down because of a bad credit score, we could help.

Van

We understand that having bad credit doesn’t change the need for a reliable van, whether it is for business purposes if you are self-employed, or for personal use. We can help you find the right van for your needs.

Van

We specialise in helping people with bad credit get the van finance they need. With over 30 years of experience helping people up and down the UK, we can help you onto a better road ahead. Even if other lenders have turned you down because of a bad credit score, we could help.

We could help even if you:

  • Are self-employed, a tradesperson, or contractor
  • Have missed payments in the past
  • Have had an Individual Voluntary Agreement (IVA)
  • Have had a County Court Judgment (CCJ)
  • Are a director of a Limited Company
  • Have experienced bankruptcy in the past
  • Have had a DRO or DMP
  • Have arrears or an overdraft

To get van finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)*
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips*
  • To put down a deposit (subject to affordability)

*Find our lending criteria for self-employed people.

We can finance vans that meet our lending criteria:

  • Priced between £4,000 and £35,000
  • Up to 125,000 miles on the clock
  • No older than 12 years by the end of the agreement

We could help even if you:

  • Are self-employed, a tradesperson, or contractor
  • Have missed payments in the past
  • Have had an Individual Voluntary Agreement (IVA)
  • Have had a County Court Judgment (CCJ)

  • Are a director of a Limited Company
  • Have experienced bankruptcy in the past
  • Have had a DRO or DMP
  • Have arrears or an overdraft

To get van finance, you’ll need:

  • Monthly earnings over £1,000 (after tax)*
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips*
  • To put down a deposit (subject to affordability)

*Find our lending criteria for self-employed people.

We can finance vans that meet our lending criteria:

  • Priced between £4,000 and £35,000
  • Up to 125,000 miles on the clock
  • No older than 12 years by the end of the agreement

How to apply for bad credit van finance

How to apply for bad credit van finance

One

Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.

Two

If you’re approved, our friendly experts will help you find your dream van. They’ll help you browse vans at reputable dealerships so you can pick the right one.

Three

We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new van!

One

Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.

Two

If you’re approved, our friendly experts will help you find your dream van. They’ll help you browse vans at reputable dealerships so you can pick the right one.

Three

We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new van!

How much could van finance with bad credit cost?

Use the buttons and slider below to see what your bad credit van loan might look like.

Summary

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

Representative 30.5% APR

How much could van finance with bad credit cost?

Use the buttons and slider below to see what your bad credit van loan might look like.

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

Representative 30.5% APR

How our van finance with poor credit works

We provide a Conditional Sale agreement for van finance, which means that you will be the registered keeper of the van and responsible for its maintenance. Once you have made your final payment, you will legally own the van.

Conditional Sale van finance diagram

The eligibility criteria for bad credit van finance and APRs offered vary according to individual circumstances. The deposit amount also depends on your personal situation.

We have been helping people with bad credit get the vehicle they need for over 30 years. Get a quote in less than 5 minutes and get an instant decision.

How our van finance with poor credit works

We provide a Conditional Sale agreement for van finance, which means that you will be the registered keeper of the van and responsible for its maintenance. Once you have made your final payment, you will legally own the van.

The eligibility criteria for bad credit van finance and APRs offered vary according to individual circumstances. The deposit amount also depends on your personal situation.

We have been helping people with bad credit get the vehicle they need for over 30 years. Get a quote in less than 5 minutes and get an instant decision.

Conditional Sale van finance diagram

Conditional Sale finance at a glance

Conditional Sale finance at a glance

Your interest rate is fixed so your payments are the same each month.

Finance is subject to status and affordability checks.

There are no mileage restrictions like other types of finance such as PCP.

You won’t own the van until the final payment is made.

You’ll own the van at the end of the agreement, unlike with van leasing.

You can’t get a new van every year or two like you could with van leasing.

There are no late payment charges or hidden fees during your agreement.

The van may be repossessed if you can’t make payments.

Your interest rate is fixed so your payments are the same each month.

There are no mileage restrictions like other finance types such as PCP.

You’ll own the van at the end of the agreement, unlike with van leasing.

There are no late payment charges or hidden fees during your agreement.

Finance is subject to status and affordability checks.

You won’t own the van until the final payment is made.

You can’t get a new van every year or two like you could with van leasing.

The van may be repossessed if you can’t make payments.

Join thousands of monthly customers like Warren

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 was 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 by his van

Join thousands of monthly customers like Warren

Moneybarn customer by his van

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 was 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.

What types of van can I get finance for?

Buying a new van can be both exciting and stressful, as there are several factors to consider to ensure you get the right van for your needs. Whether you need a van for personal or business use, we are here to help.

If you’re undecided on your next van, why not get a quote? It takes less than 5 minutes to complete and will give you an idea of how much finance we can offer. Our friendly experts can then help you search for the van you need from reputable dealerships.

If you’d rather have a van in mind before applying for finance, we’ve created a guide to the top van brands and the most popular van types so you can make an informed decision.

What types of van can I get finance for?

Buying a new van can be both exciting and stressful, as there are several factors to consider to ensure you get the right van for your needs. Whether you need a van for personal or business use, we are here to help.

If you’re undecided on your next van, why not get a quote? It takes less than 5 minutes to complete and will give you an idea of how much finance we can offer. Our friendly experts can then help you search for the van you need from reputable dealerships.

If you’d rather have a van in mind before applying for finance, we’ve created a guide to the top van brands and the most popular van types so you can make an informed decision.

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK's leading lenders for bad credit, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK’s leading lenders for bad credit, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

Other ways we could help

Other ways we could help

Our guide to van finance with no deposit explains why you need a deposit to get van finance with us.

If you’re worried about bad credit, you might consider applying with a partner. Find out more about joint car finance.

Not sure which van you’d like to finance? Check out our guide to some of the different van brands you could buy.

Our guide to van finance with no deposit explains why you need a deposit to get van finance with us.

If you’re worried about bad credit, you might consider applying with a partner. Find out more about joint car finance.

Not sure which van you’d like to finance? Check out our guide to some of the different van brands you could buy.

Van finance with bad credit FAQs

Applying for van finance online is a straightforward process. To be eligible for van finance, there are several factors we consider, including your credit history and affordability.

Having bad credit can make it tricky to get approved, but it doesn’t make it impossible. There should be a lender out there for you, regardless of your credit score. However, no responsible lender can claim that van finance is guaranteed.

We’re one of the UK’s leading specialist lenders, with over 30 years of experience helping people onto a better road ahead. Get a quote in less than 5 minutes and see if we can help.

Yes, it is possible to get an instant decision for van finance, even if you have bad credit. Get an online quote in less than 5 minutes, and we’ll tell you straight away if we can help.

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.

If you’re not sure how this works, one of our friendly experts will help discuss the different options to help you find a suitable agreement.

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.

To get started, get a quote in less than 5 minutes and see what your agreement might look like.

No matter what your credit score is, there will be a lender out there that will be able to help you finance a van, even with bad credit. There is no minimum credit score that you need for van finance, because every lender is different and has their own eligibility criteria.

Even if you have bad credit, we can help you move forward towards a better future. You can get a quote from us today, and we will do a soft search on your credit file, which won’t affect your credit score.

We only use a hard search when you’ve found your dream van and want to enter into an agreement with us.

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 get a quote with us, 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. Or, if you’re ready, get a quote and see what your agreement could look like.

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.

If you’re not sure how long it’s been since you declared bankruptcy, you could get a quote and see if we can help.

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. Get a quote in less than 5 minutes and get an instant decision.

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.

When you’re ready, get a quote. If you’re approved, one of our friendly experts will be on hand to help finance the Luton van you need.

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

Van finance with bad credit FAQs

Applying for van finance online is a straightforward process. To be eligible for van finance, there are several factors we consider, including your credit history and affordability.

Having bad credit can make it tricky to get approved, but it doesn’t make it impossible. There should be a lender out there for you, regardless of your credit score. However, no responsible lender can claim that van finance is guaranteed.

We’re one of the UK’s leading specialist lenders, with over 30 years of experience helping people onto a better road ahead. Get a quote in less than 5 minutes and see if we can help.

Yes, it is possible to get an instant decision for van finance, even if you have bad credit. Get an online quote in less than 5 minutes, and we’ll tell you straight away if we can help.

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.

If you’re not sure how this works, one of our friendly experts will help discuss the different options to help you find a suitable agreement.

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.

To get started, get a quote in less than 5 minutes and see what your agreement might look like.

No matter what your credit score is, there will be a lender out there that will be able to help you finance a van, even with bad credit. There is no minimum credit score that you need for van finance, because every lender is different and has their own eligibility criteria.

Even if you have bad credit, we can help you move forward towards a better future. You can get a quote from us today, and we will do a soft search on your credit file, which won’t affect your credit score.

We only use a hard search when you’ve found your dream van and want to enter into an agreement with us.

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 get a quote with us, 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. Or, if you’re ready, get a quote and see what your agreement could look like.

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.

If you’re not sure how long it’s been since you declared bankruptcy, you could get a quote and see if we can help.

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. Get a quote in less than 5 minutes and get an instant decision.

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.

When you’re ready, get a quote. If you’re approved, one of our friendly experts will be on hand to help finance the Luton van you need.

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

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.