TrustScore 4.4 | 13,102 reviews
TrustScore 4.4 | 13,102 reviews
TrustScore 4.4 | 13,102 reviews
TrustScore 4.4 | 13,102 reviews
TrustScore 4.4 | 13,102 reviews
TrustScore 4.4 | 13,102 reviews
TrustScore 4.4 | 13,102 reviews
We know that a van can be essential for your business. That’s why we accept applications for self-employed van finance, even if you have bad credit.
We know that a van can be essential for your business. That’s why we accept applications for self-employed van finance, even if you have bad credit.
Showing our 4 & 5 star reviews
Showing our 4 & 5 star reviews
Whether you’re a tradesperson, or simply require a van to help run and grow your business, we may be able to help you get the self-employed van loan that you need. Even if you’ve been refused for van finance by other lenders, we might be able to help.
We offer Conditional Sale van finance. This means that you would pay monthly repayments over a set term, and once you’ve made the final repayment, you automatically own the van. This is different to leasing, because with Conditional Sale you are the registered keeper and will own the van at the end of the agreement.
When you get a quote, we’ll ask for some details about your personal and financial situation. Don’t worry though, because when you apply we use a soft search which does not affect your credit score. To get self-employed finance you will need to provide proof of identification (usually a driving licence) and proof of income.
Please note that, as part of our affordability checks, we may ask for further documents to confirm your income. If this is the case, our team will guide you through the process. We also only use a hard credit search when contracts are drawn up for you to sign.
We can provide self-employed van loans to those that meet the following criteria:
Whether you’re a tradesperson, or simply require a van to help run and grow your business, we may be able to help you get the self-employed van loan that you need. Even if you’ve been refused for van finance by other lenders, we might be able to help.
We offer Conditional Sale van finance. This means that you would pay monthly repayments over a set term, and once you’ve made the final repayment, you automatically own the van. This is different to leasing, because with Conditional Sale you are the registered keeper and will own the van at the end of the agreement.
When you get a quote, we’ll ask for some details about your personal and financial situation. Don’t worry though, because when you apply we use a soft search which does not affect your credit score. To get self-employed finance you will need to provide proof of identification (usually a driving licence) and proof of income.
Please note that, as part of our affordability checks, we may ask for further documents to confirm your income. If this is the case, our team will guide you through the process. We also only use a hard credit search when contracts are drawn up for you to sign.
We can provide self-employed van loans to those that meet the following criteria:
Our lending criteria for the van is that it must be:
Our lending criteria for the van is that it must be:
Please note: 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.
Please note: 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.
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There has been an error and we are unable to provide you with a quote. Please click here to continue with your application.
I got a Citroen Berlingo van financed by Moneybarn in early 2022 and I haven’t looked back! The service given by Moneybarn has been great, and I am happy with my vehicle. I would recommend them to a friend as the process to get a van was easy and smooth – Paul C.
I got a Citroen Berlingo van financed by Moneybarn in early 2022 and I haven’t looked back! The service given by Moneybarn has been great, and I am happy with my vehicle. I would recommend them to a friend as the process to get a van was easy and smooth – Paul C.
If you’re looking for van finance, it can be even harder to find a lender if you are self-employed with bad credit. If you don’t have a consistent income, it might make it harder to make payments on time and that can impact your credit score. If you’ve also missed payments in the past, lenders could see it as a high risk to offer you finance.
But don’t worry. If you have bad credit and are looking for a van loan while self-employed, we could help. We have over 30 years experience of helping those with bad credit onto a better road ahead. Even if you’ve been refused finance by other lenders, we could help get you into the van you need for your business.
See our guide on how to improve your credit score for some simple steps that might help your score.
We specialise in helping people get bad credit van finance, even if you’re self-employed. Perhaps you have an IVA, CCJ, or have been bankrupt in the past. Apply today and we can guide you through the process.
Getting a new van can be an exciting time, but with so many van brands to choose from you might be stuck. We’ve created a guide to the top van brands that shows the most popular brands and their pros and cons.
Something else to bear in mind is the possible tax implications of your new van. We don’t finance VAT on vans, and we can’t advise you on whether you can claim van finance for tax purposes. For more information, we’ve outlined the HMRC criteria for claiming van finance on your tax return.
Ask yourself what you would use the van for. For trades that don’t need to carry large loads, a smaller van such as a Citroen Berlingo might be right for you. Or if you need more space to carry your kit you might prefer a large Mercedes or Ford van. There are lots of different makes and models of van, that’s why we’ve written a guide to the different van brands to help you make a more informed decision.
Have you considered going electric? There are several advantages to using an electric van, and there are lots of models available.
If you already know the van you’d like to finance, we recommend trying our van finance calculator. You can put the amount you’re looking to borrow, over a specific period of time, and it will give you an idea of what your van on finance might look like. Or, if you’re ready, you can apply today.
If you’re not sure which van you’d like, don’t worry! We can help find the right van for your circumstances.
We use a soft credit check when you apply. A soft credit check doesn’t affect your credit score, unlike other lenders who might do a hard credit check. Once you decide that you would like to enter into an agreement with us, a hard credit check will be done which will affect your credit score.
It’s important to know that guaranteed finance for self-employed people buying a van does not exist. No legitimate lender can claim to offer guaranteed van finance. This is because everyone’s eligibility for a van loan is different, and depends on lots of personal factors.
A lender has to run affordability and credit checks. Only once they have done these checks can they tell you that you can get self-employed van finance.
We only use a soft credit check when you apply, which won’t affect your credit score. Once you decide that you would like to enter into an agreement with us, a hard credit check will be done which will affect your credit score.
Other lenders may conduct a hard credit check when you initially apply for a van loan, so it’s important to understand the difference between a soft and hard credit check. It’s also important to know that credit checks are an important part of an application, and no lender can claim to offer van finance without a credit check.
If you’re looking for van finance, it can be even harder to find a lender if you are self-employed with bad credit. If you don’t have a consistent income, it might make it harder to make payments on time and that can impact your credit score. If you’ve also missed payments in the past, lenders could see it as a high risk to offer you finance.
But don’t worry. If you have bad credit and are looking for a van loan while self-employed, we could help. We have over 30 years experience of helping those with bad credit onto a better road ahead. Even if you’ve been refused finance by other lenders, we could help get you into the van you need for your business.
See our guide on how to improve your credit score for some simple steps that might help your score.
We specialise in helping people get bad credit van finance, even if you’re self-employed. Perhaps you have an IVA, CCJ, or have been bankrupt in the past. Apply today and we can guide you through the process.
Getting a new van can be an exciting time, but with so many van brands to choose from you might be stuck. We’ve created a guide to the top van brands that shows the most popular brands and their pros and cons.
Something else to bear in mind is the possible tax implications of your new van. We don’t finance VAT on vans, and we can’t advise you on whether you can claim van finance for tax purposes. For more information, we’ve outlined the HMRC criteria for claiming van finance on your tax return.
Ask yourself what you would use the van for. For trades that don’t need to carry large loads, a smaller van such as a Citroen Berlingo might be right for you. Or if you need more space to carry your kit you might prefer a large Mercedes or Ford van. There are lots of different makes and models of van, that’s why we’ve written a guide to the different van brands to help you make a more informed decision.
Have you considered going electric? There are several advantages to using an electric van, and there are lots of models available.
If you already know the van you’d like to finance, we recommend trying our van finance calculator. You can put the amount you’re looking to borrow, over a specific period of time, and it will give you an idea of what your van on finance might look like. Or, if you’re ready, you can apply today.
If you’re not sure which van you’d like, don’t worry! We can help find the right van for your circumstances.
We use a soft credit check when you apply. A soft credit check doesn’t affect your credit score, unlike other lenders who might do a hard credit check. Once you decide that you would like to enter into an agreement with us, a hard credit check will be done which will affect your credit score.
It’s important to know that guaranteed finance for self-employed people buying a van does not exist. No legitimate lender can claim to offer guaranteed van finance. This is because everyone’s eligibility for a van loan is different, and depends on lots of personal factors.
A lender has to run affordability and credit checks. Only once they have done these checks can they tell you that you can get self-employed van finance.
We only use a soft credit check when you apply, which won’t affect your credit score. Once you decide that you would like to enter into an agreement with us, a hard credit check will be done which will affect your credit score.
Other lenders may conduct a hard credit check when you initially apply for a van loan, so it’s important to understand the difference between a soft and hard credit check. It’s also important to know that credit checks are an important part of an application, and no lender can claim to offer van finance without a credit check.
If you aren't on the electoral roll, you will find it harder to get finance. Being registered helps lenders confirm your identity, and can increase your credit score.
Make regular payments on time, and avoid late or missed payments as they will negatively affect your score. Keep your credit utilisation under 30% if possible.
Wrong information appearing on your credit report might impact your credit score. Make sure all your information is up to date and correct so that your credit file is right.
If you move address regularly you might find it harder to get finance as it could impact your credit score.
If you aren't on the electoral roll, you will find it harder to get finance. Being registered helps lenders confirm your identity, and can increase your credit score.
Make regular payments on time, and avoid late or missed payments as they will negatively affect your score. Keep your credit utilisation under 30% if possible.
Wrong information appearing on your credit report might impact your credit score. Make sure all your information is up to date and correct so that your credit file is right.
If you move address regularly you might find it harder to get finance as it could impact your credit score.
When you’re ready, make an application to see if we can offer you van finance. If you’re provisionally accepted, we’ll be happy to discuss your options and monthly budget to find an agreement suitable for you. You might be asked for more documents to confirm your income. If this is the case, our team will be able to help.
We can help find the right van for you if you’re still not sure. Then, once the van loan is approved, we’ll pay the dealer and you can collect your new van!
If you’re still unsure of how our process works, check out our guide that explains how finance works with us.
When you are self-employed, whether as a tradesperson, contractor or running your own business, your income might not be consistent every month. Some lenders might see this as higher risk, and prefer to offer finance to those with a consistent income. It could be even tougher to get finance if you’re self-employed with bad credit.
We understand that just because you are self-employed, doesn’t mean you won’t need a van to help grow your business. That’s why we’re proud to accept applications from self-employed people to help them get the van on finance they need. Apply today and see if we could help you.
If you’re self-employed and have previously been made bankrupt, you can still apply for van finance with us. However, you must have been discharged from your bankruptcy for a minimum of 6 years at the point of application.
If you’re not sure how long after your bankruptcy it’s been, you could still apply today. We’ll carry out a soft search which won’t affect your credit score, but we’ll be able to tell you if we can offer you finance.
A deposit is a sum of money you put down at the start of your van finance agreement. It could help spread the cost of a van over time, if you don’t have the money to put down straight away.
We understand that it might be hard to save up the money for a deposit. We also recognise the need to offer affordable and sustainable finance agreements, which is why our van finance requires 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, please see our guide to no deposit van finance.
When you’re ready, make an application to see if we can offer you van finance. If you’re provisionally accepted, we’ll be happy to discuss your options and monthly budget to find an agreement suitable for you. You might be asked for more documents to confirm your income. If this is the case, our team will be able to help.
We can help find the right van for you if you’re still not sure. Then, once the van loan is approved, we’ll pay the dealer and you can collect your new van!
If you’re still unsure of how our process works, check out our guide that explains how finance works with us.
When you are self-employed, whether as a tradesperson, contractor or running your own business, your income might not be consistent every month. Some lenders might see this as higher risk, and prefer to offer finance to those with a consistent income. It could be even tougher to get finance if you’re self-employed with bad credit.
We understand that just because you are self-employed, doesn’t mean you won’t need a van to help grow your business. That’s why we’re proud to accept applications from self-employed people to help them get the van on finance they need. Apply today and see if we could help you.
If you’re self-employed and have previously been made bankrupt, you can still apply for van finance with us. However, you must have been discharged from your bankruptcy for a minimum of 6 years at the point of application.
If you’re not sure how long after your bankruptcy it’s been, you could still apply today. We’ll carry out a soft search which won’t affect your credit score, but we’ll be able to tell you if we can offer you finance.
A deposit is a sum of money you put down at the start of your van finance agreement. It could help spread the cost of a van over time, if you don’t have the money to put down straight away.
We understand that it might be hard to save up the money for a deposit. We also recognise the need to offer affordable and sustainable finance agreements, which is why our van finance requires 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, please see our guide to no deposit van finance.
We’ve supported thousands of people with vehicle finance for many years. Find out how van finance works with Moneybarn.
We specialise in helping those with bad credit get the van they need. Find out more about how we could help.
Getting a new van is exciting, but with so many options it can be stressful. We’ve made a guide to help you out.
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)
