Van finance

Looking to get a van on finance? Need a van loan?
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 your van finance could look like

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

Representative 30.5% APR

Van finance

Looking to get a van on finance? Need a van loan? We could help.

What is van finance?

Van finance is when you borrow money to cover the cost of your new van. You would be the registered keeper and have full access to use the van, but you won’t legally own it until you make your final repayment.

A van loan can be a great option, as it helps you get the new or used van you need without having to pay the full cost upfront. Instead you would make monthly payments until the cost of the total finance amount has been repaid.

What do I need to finance a van?

Some lenders use a hard credit check at the point of application, which affects your credit score, but we don’t. When you get a quote with us, we use a soft credit check which won’t affect your credit score, better still our online application only takes around 5 minutes to fill out!

We only use a hard check when you’ve decided you want an agreement with us, and contracts are drawn up for you to sign.

To get van finance, you’ll need to provide some personal details including your name, date of birth, and employment status. You will also need to submit some proof of identity (usually a driving licence), proof of income, and address history.

What is van finance?

Van finance is when you borrow money to cover the cost of your new van. You would be the registered keeper and have full access to use the van, but you won’t legally own it until you make your final repayment.

A van loan can be a great option, as it helps you get the new or used van you need without having to pay the full cost upfront. Instead you would make monthly payments until the cost of the total finance amount has been repaid.

What do I need to finance a van?

Some lenders use a hard credit check at the point of application, which affects your credit score, but we don’t. When you get a quote with us, we use a soft credit check which won’t affect your credit score, better still our online application only takes around 5 minutes to fill out!

We only use a hard check when you’ve decided you want an agreement with us, and contracts are drawn up for you to sign.

To get van finance, you’ll need to provide some personal details including your name, date of birth, and employment status. You will also need to submit some proof of identity (usually a driving licence), proof of income, and address history.

To get started with 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

We can provide a new or used van on finance so long as it meets our criteria:

  • Priced between £4,000-£35,000
  • No more than 125,000 miles on the clock
  • No 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 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

We can provide a new or used van on finance so long as it meets our criteria:

  • Priced between £4,000-£35,000
  • No more than 125,000 miles on the clock
  • No more than 12 years old by the end of the agreement

What your van finance could look like

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

Representative 30.5% APR

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

Emma customer story
Emma customer story

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

How does our van finance work?

How does our van finance work?

We offer a Conditional Sale agreement, which means you have full use of the van for the term of the agreement and it will be registered in your name. You will legally own the van once you make the final repayment.

You might have heard about other lenders that offer Hire Purchase, Personal Contract Purchase, or van leasing.

Some advantages of a Conditional Sale agreement include:

  • The interest rate is fixed which means you know exactly how much to repay every month
  • At the end of the agreement, you will fully own the van, without needing to pay a fee
  • You may be able to get van finance with a low or no deposit, subject to affordability

It’s important to know that everyone’s eligibility for van finance is different. But with our broad finance option, you could join the thousands of customers we help onto a better road ahead.

We understand how important it is to get a reliable and trustworthy van, whether for personal use or if you’re self-employed. That’s why we’re proud to have over 30 years of experience in specialist vehicle finance.

Conditional Sale Agreement illustration

Conditional Sale van finance diagram

We offer a Conditional Sale agreement, which means you have full use of the van for the term of the agreement and it will be registered in your name. You will legally own the van once you make the final repayment.

You might have heard about other lenders that offer Hire Purchase, Personal Contract Purchase, or van leasing.

Some advantages of a Conditional Sale agreement include:

  • The interest rate is fixed which means you know exactly how much to repay every month
  • At the end of the agreement, you will fully own the van, without needing to pay a fee
  • You may be able to get van finance with a low or no deposit, subject to affordability

It’s important to know that everyone’s eligibility for van finance is different. But with our broad finance option, you could join the thousands of customers we help onto a better road ahead.

We understand how important it is to get a reliable and trustworthy van, whether for personal use or if you’re self-employed. That’s why we’re proud to have over 30 years of experience in specialist vehicle finance.

Conditional Sale Agreement illustration

Conditional Sale van finance diagram

How much does van finance cost?

The cost of van finance depends on personal circumstances, such as your income, credit score, and affordability.  This is because these factors affect how much you will be able to borrow and what APR you will be offered, which directly affects your monthly repayments.

You can use our van finance calculator to get a better idea of what your agreement might look like. It allows you to set a specific budget alongside the length of your van loan, it includes the estimated costs of monthly repayments, the total you’d repay and the calculated APR.

It’s important to know that we don’t finance VAT for vans, but you may be able to claim van finance on your tax return if you’re self-employed. For more information, please see our page that outlines the HMRC criteria for claiming van finance on your tax return.

How much can I borrow to finance a van?

Everyone’s eligibility for van finance is different. We offer van finance for vans between £4,000-£35,000 however the amount you are able to borrow with us is subject to affordability.

How much does van finance cost?

The cost of van finance depends on personal circumstances, such as your income, credit score, and affordability.  This is because these factors affect how much you will be able to borrow and what APR you will be offered, which directly affects your monthly repayments.

You can use our van finance calculator to get a better idea of what your agreement might look like. It allows you to set a specific budget alongside the length of your van loan, it includes the estimated costs of monthly repayments, the total you’d repay and the calculated APR.

It’s important to know that we don’t finance VAT for vans, but you may be able to claim van finance on your tax return if you’re self-employed. For more information, please see our page that outlines the HMRC criteria for claiming van finance on your tax return.

How much can I borrow to finance a van?

Everyone’s eligibility for van finance is different. We offer van finance for vans between £4,000-£35,000 however the amount you are able to borrow with us is subject to affordability.

What types of vans can I finance?

With such a wide range of van brands to choose from, it can be tricky to find the perfect van for you, whether you’re looking for a new or used van on finance. We’ve also created a guide that runs through the top van brands.

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

What types of vans can I finance?

With such a wide range of van brands to choose from, it can be tricky to find the perfect van for you, whether you’re looking for a new or used van on finance. We’ve also created a guide that runs through the top van brands.

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

Our van buying guide outlines useful questions you should be asking yourself – such as how the van will be used, if it fits your budget, how much storage space you will need, and more. You might be interested in going hybrid or electric, in which case our hybrid and electric van guide is for you.

Our van buying guide outlines useful questions you should be asking yourself – such as how the van will be used, if it fits your budget, how much storage space you will need, and more. You might be interested in going hybrid or electric, in which case our hybrid and electric van guide is for you.

FAQs about van finance

Buying a van on finance is very similar to car finance. We use a Conditional Sale agreement, which means that you’ll be the registered keeper of the van during the agreement. Once you make the final repayment, you’ll legally own the van.

With so many different types of vans and different brands, we’d recommend doing some research to get the right van for you. Luckily, we’ve written a guide on buying your next van.

If you already have a van in mind, or want to see if we can help you, then make an application and we’ll guide you through the rest.

If you have a particular van in mind or are looking to buy a used van on finance, we could help as long as it fits into our lending criteria.

We recognise that it might be hard to put together a deposit for a new van. Getting approved for finance without a deposit depends on a variety of personal factors. For more information, please see our guide that explains what no deposit van finance is, so you can make an informed decision.

FAQs about van finance

Buying a van on finance is very similar to car finance. We use a Conditional Sale agreement, which means that you’ll be the registered keeper of the van during the agreement. Once you make the final repayment, you’ll legally own the van.

With so many different types of vans and different brands, we’d recommend doing some research to get the right van for you. Luckily, we’ve written a guide on buying your next van.

If you already have a van in mind, or want to see if we can help you, then make an application and we’ll guide you through the rest.

If you have a particular van in mind or are looking to buy a used van on finance, we could help as long as it fits into our lending criteria.

We recognise that it might be hard to put together a deposit for a new van. Getting approved for finance without a deposit depends on a variety of personal factors. For more information, please see our guide that explains what no deposit van finance is, so you can make an informed decision.

Self-employed van finance

Are you self-employed and looking to get a van on finance? Even if other lenders have rejected your application, we might be able to help.

How it works

We’ve supported thousands of people up and down the country with the vehicle finance they need. Find out more about how it works today.

Our application process

Van finance can be confusing, but luckily we’re on hand to keep things simple. Our expert guides will help explain the finance process.