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Use our free van finance calculator to see what your van finance agreement with Moneybarn could look like. To get started, you’ll need:
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Based on 13,907 reviews
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Before you use our van financing calculator, it’s important to know that our calculator shows you what Conditional Sale (CS) finance with Moneybarn could look like. It won’t help with costs for other types of van finance, such as Personal Contract Purchase (PCP) or Van Leasing (PCH). It’s there to give you examples of what van finance could look like.
If you’re still unsure about which type of finance to choose, our van finance calculator will show you what our CS finance might look like so that you can decide if it’s right for you.
Before you use our van financing calculator, it’s important to know that our calculator shows you what Conditional Sale (CS) finance with Moneybarn could look like. It won’t help with costs for other types of van finance, such as Personal Contract Purchase (PCP) or Van Leasing (PCH). It’s there to give you examples of what van finance could look like.
If you’re still unsure about which type of finance to choose, our van finance calculator will show you what our CS finance might look like so that you can decide if it’s right for you.
Press one box at a time. Use the slider for quick changes and the + and – buttons for fine tuning in our van finance calculator.
Enter the amount you wish to borrow into the ‘Van price’ box. This can either be the cost of a van you have already found or an estimate.
Choose the duration of your agreement by selecting the ‘Payment term’, which is the number of months your van finance will last for.
Adjust the ‘Credit score’ box to reflect your current credit score. If you are unsure about your credit score, please refer to our guide on checking your credit score.
You’ll then see an estimate of your monthly payments and the calculated APR. If you’re interested, you can get a personalised quote.
Explore how changing the finance amount and payment term affects your monthly payments with our van finance calculator.
Press one box at a time. Use the slider for quick changes and the + and – buttons for fine tuning in our van finance calculator.
Enter the amount you wish to borrow into the ‘Van price’ box. This can either be the cost of a van you have already found or an estimate.
Choose the duration of your agreement by selecting the ‘Payment term’, which is the number of months your van finance will last for.
Adjust the ‘Credit score’ box to reflect your current credit score. If you are unsure about your credit score, please refer to our guide on checking your credit score.
You’ll then see an estimate of your monthly payments and the calculated APR. If you’re interested, you can get a personalised quote.
Explore how changing the finance amount and payment term affects your monthly payments with our van finance calculator.
We have over 30 years of experience helping people up and down the UK onto a better road ahead. We could help you if you’re looking for van finance with bad credit or are self-employed and looking to finance a van.
If you haven’t decided on a van yet, don’t worry! Our friendly experts can help you with your search.
We have over 30 years of experience helping people up and down the UK onto a better road ahead. We could help you if you’re looking for van finance with bad credit or are self-employed and looking to finance a van.
If you haven’t decided on a van yet, don’t worry! Our friendly experts can help you with your search.
To get van finance with us, you’ll need:
We can finance vans that meet our lending criteria:
To get van finance with us, you’ll need:
We can finance vans that meet our lending criteria:
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.
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.
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!
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.
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.
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!
It was a no brainer to go with Moneybarn. They tried their best to get us the loan we needed, when other lenders wouldn’t have accepted us. Since I’ve been a customer, I’ve seen a positive impact on my credit score – Gary.
It was a no brainer to go with Moneybarn. They tried their best to get us the loan we needed, when other lenders wouldn’t have accepted us. Since I’ve been a customer, I’ve seen a positive impact on my credit score – Gary.
We offer a type of van finance called Conditional Sale (CS). The main difference between CS and other van finance types, like PCP and PCH, is that with CS, you will legally own the van once you make your final payment.
Although the monthly payments might be lower with PCP, you would have to pay the balloon payment before you can legally own the van. With CS, this happens automatically at the end.
With leasing (also known as PCH, or Personal Contract Hire), you’ll never legally own the van. This is essentially renting a van for an agreed period of time. You’ll be able to use a newer van with the latest technology and features, but there’s no option to legally own it. You must return it at the end of the lease period.
You can read more in our guide that explains the differences between van finance and van leasing.
Just like PCP, a Conditional Sale agreement is secured against the van. This means that the van could be repossessed if you can’t make your monthly payments.
We offer a type of van finance called Conditional Sale (CS). The main difference between CS and other van finance types, like PCP and PCH, is that with CS, you will legally own the van once you make your final payment.
Although the monthly payments might be lower with PCP, you would have to pay the balloon payment before you can legally own the van. With CS, this happens automatically at the end.
With leasing (also known as PCH, or Personal Contract Hire), you’ll never legally own the van. This is essentially renting a van for an agreed period of time. You’ll be able to use a newer van with the latest technology and features, but there’s no option to legally own it. You must return it at the end of the lease period.
You can read more in our guide that explains the differences between van finance and van leasing.
Just like PCP, a Conditional Sale agreement is secured against the van. This means that the van could be repossessed if you can’t make your monthly payments.
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.
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.
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.
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.
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.
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.
Find out more about our application process and the journey we’ll guide you through when financing a van.
With so many different types of finance available, we’ve written a guide to each and their pros and cons.
It’s important to know what information and documents are required to avoid delays when getting van finance.
Find out more about our application process and the journey we’ll guide you through when financing a van.
With so many different types of finance available, we’ve written a guide to each and their pros and cons.
It’s important to know what information and documents are required to avoid delays when getting van finance.
A deposit is the amount of money you pay up front when you start a van finance agreement.
Putting down a deposit can make van finance more affordable at the beginning, but in the long run it could make it more expensive. This is because, without a deposit, you’ll be borrowing more money, which means you may be paying more in interest compared to someone who put down a deposit.
We understand that van finance needs to be affordable and sustainable for your needs. Because of this, our van finance agreements require a deposit. If you’re approved, one of our friendly experts can discuss your options and find the right agreement for you.
For more information, read our guide to no deposit van finance to understand how a deposit works and how it affects your agreement.
On average, our customers pay between £250 and £400 per month for their van on finance, but it’s important to know that everyone’s van finance is different, and so your monthly payments might be lower or higher, subject to status and affordability.
There are several factors that affect how much your monthly payments could be. These include:
You can try out our finance calculator and it will show you examples of what your monthly payments could look like.
When you’re ready, get a quote. It takes less than 5 minutes and gives you an instant decision, and if you’re approved, it’ll show you what your agreement might look like.
When you get a quote, we’ll ask for the following information:
If you’re approved in principle, it’s because we need a few more details to support your application. If that’s the case, a member of our team will guide you through that process.
You might be self-employed looking to finance a van. If that’s the case, we might need additional documents to support your application. If that’s the case, our team will be happy to guide you through that process.
Getting a quote with us only takes 5 minutes. We’ll just need to know a little bit about you, your address and your job. This will not affect your credit score, as we only use a soft credit search to give you an initial decision.
There are several factors to consider when applying for van finance. The amount of money you can borrow on van finance depends on a variety of factors, such as affordability and credit history.
We offer finance for vans between £4,000 and £35,000. The amount you could borrow depends on personal factors. When you get a quote, you’ll get an instant decision as well as a personal APR and indication of how much you could borrow.
When you get a quote, it takes less than 5 minutes to get an immediate decision. This will give you one of three outcomes:
We only finance vans which fit within our lending criteria:
We do not finance VAT, and we do not finance base chassis vans, minibuses, or vans that have had specialist body work such as cherry pickers. Also, we do not finance vans to be used as a taxi, minicab, for hire, or for house removals.
If you’re not sure whether your chosen van meets our criteria, then a member of our team would be happy to help. Get a quote and see if we could help you onto a better road ahead.
When you get an initial quote, we only use a soft search. This does not affect your credit score. Only when you are satisfied with your quote and you’ve found the right van will contracts be drawn up for you to sign. At this point, a hard search is used, which may affect your credit rating.
If you make full and on time payments throughout the course of your van finance agreement, you may find that your credit rating improves. However, this isn’t guaranteed, as might only happen if you’re also repaying your other debts on time.
Yes, we consider applications from people who are self-employed. If you’re a tradesperson, contractor, or are otherwise self-employed, we could help you. Find out more in our guide to getting van finance when self-employed.
A deposit is the amount of money you pay up front when you start a van finance agreement.
Putting down a deposit can make van finance more affordable at the beginning, but in the long run it could make it more expensive. This is because, without a deposit, you’ll be borrowing more money, which means you may be paying more in interest compared to someone who put down a deposit.
We understand that van finance needs to be affordable and sustainable for your needs. Because of this, our van finance agreements require a deposit. If you’re approved, one of our friendly experts can discuss your options and find the right agreement for you.
For more information, read our guide to no deposit van finance to understand how a deposit works and how it affects your agreement.
On average, our customers pay between £250 and £400 per month for their van on finance, but it’s important to know that everyone’s van finance is different, and so your monthly payments might be lower or higher, subject to status and affordability.
There are several factors that affect how much your monthly payments could be. These include:
You can try out our finance calculator and it will show you examples of what your monthly payments could look like.
When you’re ready, get a quote. It takes less than 5 minutes and gives you an instant decision, and if you’re approved, it’ll show you what your agreement might look like.
When you get a quote, we’ll ask for the following information:
If you’re approved in principle, it’s because we need a few more details to support your application. If that’s the case, a member of our team will guide you through that process.
You might be self-employed looking to finance a van. If that’s the case, we might need additional documents to support your application. If that’s the case, our team will be happy to guide you through that process.
Getting a quote with us only takes 5 minutes. We’ll just need to know a little bit about you, your address and your job. This will not affect your credit score, as we only use a soft credit search to give you an initial decision.
There are several factors to consider when applying for van finance. The amount of money you can borrow on van finance depends on a variety of factors, such as affordability and credit history.
We offer finance for vans between £4,000 and £35,000. The amount you could borrow depends on personal factors. When you get a quote, you’ll get an instant decision as well as a personal APR and indication of how much you could borrow.
When you get a quote, it takes less than 5 minutes to get an immediate decision. This will give you one of three outcomes:
We only finance vans which fit within our lending criteria:
We do not finance VAT, and we do not finance base chassis vans, minibuses, or vans that have had specialist body work such as cherry pickers. Also, we do not finance vans to be used as a taxi, minicab, for hire, or for house removals.
If you’re not sure whether your chosen van meets our criteria, then a member of our team would be happy to help. Get a quote and see if we could help you onto a better road ahead.
When you get an initial quote, we only use a soft search. This does not affect your credit score. Only when you are satisfied with your quote and you’ve found the right van will contracts be drawn up for you to sign. At this point, a hard search is used, which may affect your credit rating.
If you make full and on time payments throughout the course of your van finance agreement, you may find that your credit rating improves. However, this isn’t guaranteed, as might only happen if you’re also repaying your other debts on time.
Yes, we consider applications from people who are self-employed. If you’re a tradesperson, contractor, or are otherwise self-employed, we could help you. Find out more in our guide to getting van finance when self-employed.
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.
We consider those who are self-employed and have bad credit. See how we could help you by clicking the button below.
It’s important to completely understand the van finance agreement that you could be entering – find out more about how it works.
Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.
Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.
Moneybarn’s VAT registration number is 180 5559 52.
Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)
Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)
Representative example: Total amount of credit £10,198. Repayable over 58 months, 57 monthly payments of £319.71. Representative 30.7% APR (fixed). Deposit of £811.48. Total charge for credit £8,025.47. Total amount payable £19,034.95. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.