Van finance & loans

Welcome to our van finance calculator. If you know the registration number for the van you’re looking to finance, you can use our helpful tool above to check if we can offer you finance. It can give you an idea of how much you’re likely to need to repay, depending on the van purchase price and repayment term you select.

Important note - the Moneybarn van finance calculator is for illustration purposes only. All figures shown by the calculator are estimates only and may vary from the final rates and agreement terms offered.

What type of van could you finance with us?

We know it’s important for you to have a wide range of options so you can choose a reliable van, which suits your specific business or personal needs. Our finance is available on new or used vans, so you can find the perfect LCV which fits within your personal budget.

We can help you get the van you need, as long as it fits within the following guidelines:

• Value of up to £25,000
• Mileage lower than 125,000
• Be no more than 7 years old at the start of the agreement
• No older than 12 years old at the end of your agreement
• Minimum initial deposit of £400

In case you need help searching for the ideal van for you, check out our helpful van brand pages where we provide you with more information about some of the most popular van brands and models to help with your decision.

Who can get van finance with us?

We offer specialist van finance, meaning we can help customers even when they have struggled to get finance elsewhere, or have bad credit.

If you’ve been refused a loan on a van by mainstream lenders in the past, your credit score is normally the reason why. People who are self-employed can often find this affects their credit score, making it harder to get approval for a van loan.

The good news is if you have a poor credit rating, or if you’re in an IVA, or have a CCJ, you may be able to get finance on a van with us. We know that despite having a poor credit history, a van can be just what you need to kick start your business and improve your credit.

The perfect van might be what you need to grow your business, or help show you’re a professional service or product provider, whether you’re an electrician, builder, plumber or in a different profession entirely! So if you’re self-employed and need van finance for your business, or equally if you’re just looking to finance a van for personal use, we can provide van loans even if you have bad credit.

How does our van finance work?

We’re a finance provider and not a van dealer or broker, so you’ll have the freedom to choose a van that best suits your needs, as long as it fits within the guidelines shown above.

If we offer you a van loan and you start an agreement with us, we will be the legal owner of the vehicle while you make your agreed monthly repayments. When you make your final payment at the end of your agreement term, we’ll transfer full ownership of the van to you. This type of van finance is what’s known as a ‘Conditional Sale Agreement’.

We’ll agree your monthly repayment amount at the outset, so you can ensure this fits your budget. You’ll need to insure the van in your name and this must be a fully comprehensive policy with an excess of no larger than £500. Other than that, you’ll just need to look after the van so it stays in a good condition and is roadworthy and safe for you to drive.

How can you apply for a van loan with us?

To get started, you just need to complete our easy online application process. We’ll then run a credit search on you and let you know if we can offer you van finance, before confirming the next steps.

To reassure you, we only use a ‘soft credit search’ to start with, which means your credit score won’t be affected while we’re checking if we can offer you van finance.

If we approve you for a van loan and you’ve already found the right van to suit your needs, we can give you a representative quote so you can see how the agreement might work. If you haven’t found a van yet, we’ll give you some guidance on what to do next and help you start your search if needed.

Our focus on providing responsible lending underpins everything we do. We will work with you to understand how much you can comfortably afford to van finance, taking into account your income, expenditure, and individual circumstances. You can visit our dedicated van finance application process page for more information.

You can start our online van loan application process now by clicking here.

If you would prefer to speak to us for more information or help with navigating the process, please use our request a call back form and we’ll give you a call as soon as possible.