Van finance

Looking to get a van on finance? To get started you will 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

What van finance could look like

Use the buttons and slider to see how much van finance could cost.

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

Representative 30.7% APR

Van finance

Looking to get a van on finance? To get started you will 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

What is van finance?

Van finance is when you borrow money to cover the cost of your new van. The lender pays the dealership on your behalf, and you make monthly payments for an agreed amount of time until the finance is paid off.

Our Conditional Sale agreements last between 36 and 60 months (3 to 5 years), allowing you to spread the cost of a van over a longer period of time. Unlike leasing, you’ll legally own the van at the end of the agreement, and unlike PCP, you won’t have to make a balloon payment to do so.

Who is eligible for van finance?

We understand that having a reliable van is an important part of your life. Whether you need one to get around, commute, or travel between jobs, we can help you onto a better road ahead.

You can get a quote for van finance online and in less than 5 minutes. We only use a soft search at the point of application, which doesn’t affect your credit score. If you’re approved, we’ll show you how much you could borrow and your personal APR.

What is van finance?

Van finance is when you borrow money to cover the cost of your new van. The lender pays the dealership on your behalf, and you make monthly payments for an agreed amount of time until the finance is paid off.

Our Conditional Sale agreements last between 36 and 60 months (3 to 5 years), allowing you to spread the cost of a van over a longer period of time. Unlike leasing, you’ll legally own the van at the end of the agreement, and unlike PCP, you won’t have to make a balloon payment to do so.

Who is eligible for van finance?

We understand that having a reliable van is an important part of your life. Whether you need one to get around, commute, or travel between jobs, we can help you onto a better road ahead.

You can get a quote for van finance online and in less than 5 minutes. We only use a soft search at the point of application, which doesn’t affect your credit score. If you’re approved, we’ll show you how much you could borrow and your personal APR.

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)

We can finance new and used 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

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)

We can finance new and used 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

What van finance could look like

Use the buttons and slider to see how much van finance could cost.

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

Representative 30.7% APR

How to apply for van finance

How to apply for 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 does our van finance work?

How does our van finance work?

We offer a Conditional Sale (CS) agreement for van finance. This means you will have full use of the van for the length of the agreement and will be its registered keeper.

Once you have made your final payment, you will legally own the van.

Conditional Sale agreement illustration

Conditional Sale van finance diagram

You might have heard of other types of van finance like Personal Contract Purchase (PCP) and Personal Contract Hire (PCH).

If you’re looking to swap vans every year or two, or want the flexibility of being able to return the van and end the agreement at the end, then PCH or PCP may be more suitable.

CS is designed for people who know they want to legally own the van at the end of the agreement. There is no additional fee or payment required; once you make your final monthly payment, we’ll transfer legal ownership of the van to you.

You could join the thousands of customers we help each month onto a better road ahead. Get a quote in less than 5 minutes and see what your van finance could look like.

We offer a Conditional Sale (CS) agreement for van finance. This means you will have full use of the van for the length of the agreement and will be its registered keeper.

Once you have made your final payment, you will legally own the van.

You might have heard of other types of van finance like Personal Contract Purchase (PCP) and Personal Contract Hire (PCH).

If you’re looking to swap vans every year or two, or want the flexibility of being able to return the van and end the agreement at the end, then PCH or PCP may be more suitable.

CS is designed for people who know they want to legally own the van at the end of the agreement. There is no additional fee or payment required; once you make your final monthly payment, we’ll transfer legal ownership of the van to you.

You could join the thousands of customers we help each month onto a better road ahead. Get a quote in less than 5 minutes and see what your van finance could look like.

Conditional Sale agreement illustration

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 Emma

The service I received was very easy right from the start. I did not feel pressured, I felt like somebody was listening to what I had to say. While it was very frightening to buy my first van on my own, everyone involved made it a very easy process – Emma.

Emma customer story

Join thousands of monthly customers like Emma

Emma customer story

The service I received was very easy right from the start. I did not feel pressured, I felt like somebody was listening to what I had to say. While it was very frightening to buy my first van on my own, everyone involved made it a very easy process – Emma.

How much does van finance cost?

Your van finance monthly payment depends on several factors, including your credit history and affordability. There’s no definitive cost of van finance, because everyone’s agreement is different and tailored to their circumstances.

You could use our van finance calculator to see what your agreement might look like. Simply enter how much you want to borrow, your ideal agreement term, and what your credit score might be, and it’ll give you an idea of the monthly payment amount.

What types of vans can I finance?

Financing a new van can be an exciting but stressful time. With so many van brands to choose from, it’s easy to feel overwhelmed.

It’s important to consider what you want to use the van for. We’ve written as guide to the different types of vans so you can see which might suit you.

Below you can find some of the most popular brands of van that we finance.

How much does van finance cost?

Your van finance monthly payment depends on several factors, including your credit history and affordability. There’s no definitive cost of van finance, because everyone’s agreement is different and tailored to their circumstances.

You could use our van finance calculator to see what your agreement might look like. Simply enter how much you want to borrow, your ideal agreement term, and what your credit score might be, and it’ll give you an idea of the monthly payment amount.

What types of vans can I finance?

Financing a new van can be an exciting but stressful time. With so many van brands to choose from, it’s easy to feel overwhelmed.

It’s important to consider what you want to use the van for. We’ve written as guide to the different types of vans so you can see which might suit you.

Below you can find some of the most popular brands of van that we finance.

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 specialist lenders, 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 specialist lenders, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

Helpful van buying guides

Helpful van buying guides

Hybrid and electric vans

You might be considering the switch away from a petrol or diesel van. Click the button below to find out more.

Buying a new van

In this guide, we explore the things you should think about when buying your next van.

Is van finance tax deductible?

You might be wondering if you can claim van finance as an expense. Our guide explains what you need to know.

Hybrid and electric vans

You might be considering the switch away from a petrol or diesel van. Click the button below to find out more.

Buying a new van

In this guide, we explore the things you should think about when buying your next van.

Is van finance tax deductible?

You might be wondering if you can claim van finance as an expense. Our guide explains what you need to know.

FAQs about van finance

Yes, van finance generally works the same way as car finance does. The lender pays the dealership on your behalf, and you make monthly payments until the agreement is paid off.

If you already have a van in mind, or want to see if we can help you, then get a quote today. If you’re approved, one of our friendly experts will help you finance your dream van.

Yes, you can finance a brand new or used van as long as you can the van meet our lending criteria.

We understand that it might be hard to put together a deposit to finance a new van. However, putting down a deposit helps to reduce the loan amount. This means you’ll pay less interest in the long run compared to someone who doesn’t put down a deposit.

If you’re approved, one of our friendly experts will be on hand to discuss your options and find the right agreement for you. Our agreements do require a deposit, and the amount is subject to affordability checks.

For more information, please see our guide that explains what no deposit van finance is, so you can make an informed decision.

The main difference between leasing and Conditional Sale (CS) is whether you can legally own the van. With leasing, there is no option to legally own the van, whereas with CS, you automatically own it at the end of the agreement.

Van leasing might be more suitable if you’re looking to own a new van every year or two. However, there is no option to legally own the van, and you will return the van at the end of the lease agreement.

CS finance is designed to help people who know they want to own the van at the end of the agreement. There are no additional fees or payments needed.

For more information, read our guide that explores the differences between van leasing and financing.

If you’re self-employed and looking for van finance, we could help. Please make sure to check our lending criteria as there are different requirements for us to help self-employed people.

If you already have a van on finance and want to part exchange it and use it as a deposit, we could help. It’s important to note that you’ll need to settle the existing finance agreement first.

You could check if your van is in positive equity. This is when your van is worth more than the early settlement figure given by your finance company. For example, if your current van is valued at £5,000 and you have £3,000 left on the finance agreement, you’re in positive equity.

This means that, once your current agreement is settled, you’ll have £2,000 as a deposit for your new van.

Our friendly experts would be happy to help, whether you want to pay your deposit with cash or already have a van you want to trade in. Get a quote today and see if we can help.

Yes, you may be able to pay off your finance early. Whether you decide to pay it all off, or make early repayments, this is called an early settlement.

If you’re looking to finance a van and think your circumstances might change soon, that’s okay. Our expert team is on hand to discuss your options so you can choose an agreement that is suitable.

When you’re ready, get a personalised quote and see how much you could borrow in less than 5 minutes.

Van finance doesn’t directly affect your mortgage application, but it can indirectly affect it in two key ways:

  1. Your affordability: If you have van finance, you’ll be making monthly payments over a period of several years. This will affect how much spare money you have to pay off other bills, like a mortgage. A mortgage can only be approved if it is affordable and suitable for your circumstances. So while having van finance doesn’t stop you from getting a mortgage, it might affect how much you can borrow.
  2. Your credit file: Mortgage providers look at several factors to understand your eligibility. They are only able to provide a mortgage if you pass their credit checks. Having van finance counts as a line of credit on your credit file. If you also have several other lines of credit (e.g. credit cards, store cards, or finance other purchases like electricals or furniture) then it can seems like you may be reliant on credit, which could make it harder to get approved for a mortgage.

FAQs about van finance

Yes, van finance generally works the same way as car finance does. The lender pays the dealership on your behalf, and you make monthly payments until the agreement is paid off.

If you already have a van in mind, or want to see if we can help you, then get a quote today. If you’re approved, one of our friendly experts will help you finance your dream van.

Yes, you can finance a brand new or used van as long as you can the van meet our lending criteria.

We understand that it might be hard to put together a deposit to finance a new van. However, putting down a deposit helps to reduce the loan amount. This means you’ll pay less interest in the long run compared to someone who doesn’t put down a deposit.

If you’re approved, one of our friendly experts will be on hand to discuss your options and find the right agreement for you. Our agreements do require a deposit, and the amount is subject to affordability checks.

For more information, please see our guide that explains what no deposit van finance is, so you can make an informed decision.

The main difference between leasing and Conditional Sale (CS) is whether you can legally own the van. With leasing, there is no option to legally own the van, whereas with CS, you automatically own it at the end of the agreement.

Van leasing might be more suitable if you’re looking to own a new van every year or two. However, there is no option to legally own the van, and you will return the van at the end of the lease agreement.

CS finance is designed to help people who know they want to own the van at the end of the agreement. There are no additional fees or payments needed.

For more information, read our guide that explores the differences between van leasing and financing.

If you’re self-employed and looking for van finance, we could help. Please make sure to check our lending criteria as there are different requirements for us to help self-employed people.

If you already have a van on finance and want to part exchange it and use it as a deposit, we could help. It’s important to note that you’ll need to settle the existing finance agreement first.

You could check if your van is in positive equity. This is when your van is worth more than the early settlement figure given by your finance company. For example, if your current van is valued at £5,000 and you have £3,000 left on the finance agreement, you’re in positive equity.

This means that, once your current agreement is settled, you’ll have £2,000 as a deposit for your new van.

Our friendly experts would be happy to help, whether you want to pay your deposit with cash or already have a van you want to trade in. Get a quote today and see if we can help.

Yes, you may be able to pay off your finance early. Whether you decide to pay it all off, or make early repayments, this is called an early settlement.

If you’re looking to finance a van and think your circumstances might change soon, that’s okay. Our expert team is on hand to discuss your options so you can choose an agreement that is suitable.

When you’re ready, get a personalised quote and see how much you could borrow in less than 5 minutes.

Van finance doesn’t directly affect your mortgage application, but it can indirectly affect it in two key ways:

  1. Your affordability: If you have van finance, you’ll be making monthly payments over a period of several years. This will affect how much spare money you have to pay off other bills, like a mortgage. A mortgage can only be approved if it is affordable and suitable for your circumstances. So while having van finance doesn’t stop you from getting a mortgage, it might affect how much you can borrow.
  2. Your credit file: Mortgage providers look at several factors to understand your eligibility. They are only able to provide a mortgage if you pass their credit checks. Having van finance counts as a line of credit on your credit file. If you also have several other lines of credit (e.g. credit cards, store cards, or finance other purchases like electricals or furniture) then it can seems like you may be reliant on credit, which could make it harder to get approved for a mortgage.

Self-employed van finance

Are you self-employed and need a new van? We could help you onto a better road ahead, even if other lenders can’t.

Why van finance isn’t guaranteed

You might have seen claims online that lenders can guarantee van finance. This doesn’t not exist – find out why in our guide.

Our application process

Van finance can be confusing, but we’re on hand to keep things simple. Our guide explains more about the finance process.