Van finance
Need a van for work, business, or everyday life? At Luv Cars, we make finding the right van and the right finance deal easy.
Van finance made simple
Van finance is a simple way to get behind the wheel without paying the full cost of a van upfront. Instead, you spread the cost over manageable monthly payments that fit your budget.
Depending on the finance agreement, you may choose to put down a deposit at the start, followed by fixed monthly payments over an agreed term. The amount you pay will depend on factors such as the van's price, your deposit and the length of your agreement.
Whether you're a tradesperson, business owner, self-employed or simply need a van for everyday life, finance can make upgrading your vehicle more affordable and accessible.
Why choose van finance?
- Get the van you need without a large upfront payment
- Spread the cost into fixed monthly payments
- Flexible finance options to suit different budgets
- Access newer or higher-spec vans that may otherwise be out of reach
- Potential options available for customers with less-than-perfect credit, subject to status
Over 100,000 cars to
Search and Save
LuvCarFinder™
Can I get van finance?
At Luv Cars, we know that everyone's circumstances are different. That's why we work with a panel of trusted lenders who consider a wide range of applications.
Having a perfect credit score isn't always essential. Some lenders specialise in helping customers with previous credit issues or more complex financial situations.
We regularly help people from a variety of backgrounds explore their finance options, including:
- Employed applicants
- Self-employed workers and sole traders
- Contractors, agency workers and part-time employees
- People with limited credit history
- Customers who have experienced credit difficulties in the past
- Applicants looking for no-deposit finance options
- UK residents aged 18 and over
Getting a quote starts with a soft credit search, which won't affect your credit score. If you decide to proceed with an application, a lender may then carry out a hard credit search.
Representative example. Borrowing £8,700 over 5 years with a representative APR of 24.3% an annual interest rate of 21.9% (fixed) and a deposit of £0.00, the amount payable would be £239.88 per month, with a total cost of credit of £5,692.80 and a total amount payable of £14,392.80. Luv Cars is a broker, not a lender.
Understanding your van finance options
Choosing the right finance agreement is just as important as choosing the right van. At Luv Cars, we can help you explore the options available and find a deal that works for your needs and budget.
| Hire Purchase (HP) | Personal Contract Purchase (PCP) |
|
Hire Purchase is one of the most straightforward ways to finance a van. You'll typically pay a deposit, followed by fixed monthly payments over an agreed term. Once you've made all your repayments, the van becomes yours. HP can be a great option if your goal is ownership and you don't want to worry about mileage restrictions at the end of your agreement. |
PCP usually offers lower monthly payments than HP because you're only financing part of the vehicle's value. At the end of the agreement, you'll normally have three options:
PCP can offer greater flexibility, although mileage limits and vehicle condition may apply. Not every finance product is suitable for every customer, so our team can help explain your options and answer any questions along the way. |
Self-employed van finance
Running your own business often means having a reliable van is essential.
Whether you're a sole trader, freelancer, contractor or small business owner, Luv Cars can help you explore finance options designed around your circumstances.
We understand that self-employed income doesn't always fit neatly into a standard application, which is why we work with lenders experienced in assessing a range of employment types.
Why finance instead of buying outright?
Paying cash isn't always the best option, even if you have savings available.
Many people choose finance because it allows them to keep more money available for other priorities while still getting the van they need.
Some of the benefits of financing include:
- Spreading the cost rather than making one large payment
- Keeping cash available for business expenses or emergencies
- Accessing newer and more reliable vehicles
- The flexibility to change vehicles more regularly
- Potential no-deposit options, subject to approval
- Support from the Luv Cars team throughout the process
Ultimately, the right choice depends on your individual circumstances, budget and long-term plans.
A word from the Luv Cars team
"We know how important having the right van can be, whether it's helping you run your business, get to jobs, or support day-to-day life. That's why we aim to make van finance as simple and straightforward as possible. With access to a panel of trusted lenders and a friendly team on hand to help, we'll work with you to find a finance option that suits your needs and budget."
Mike Sheridan
Head of Customer Experience
Over 100,000 cars to
Search and Save
LuvCarFinder™
Here’s how to get your finance
In 3 simple steps
1. Get approved
Get your personalised van finance quote and approval in principle in minutes using our smart search tool.
2. Choose your vehicle
Once approved, find your van by using LuvCar finder. Showing you 1000’s of options from our approved dealers.
3. Drive away & luv it
We’ll sort everything out with the dealer and lender. You just turn up and drive away.
Why other luv us
Loading TrustPilot Reviews...
Frequently Asked Questions
Can I finance a van for work?
Absolutely.
Whether you're a sole trader, running a business or need a van for commercial use, we can help you find finance that works for you.
From compact vans for city driving to larger models with plenty of room for tools and equipment, we'll help you explore the options available and get you on the road.
Can I get finance for a used van?
Yes, you may be able to.
Whether you're buying a nearly-new van or something that's been on the road a little longer, Luv Cars can help you explore your finance options.
We work with a panel of trusted lenders, although some may have limits on the age or mileage of the van they'll finance. If that's the case, our friendly team will explain your options and help you find a van that fits both your needs and your budget.
How does van finance work?
We've made applying for van finance as simple as possible.
Start by completing our quick online application. Once we've received it, we'll search our panel of trusted lenders to see what finance options may be available.
If you're approved, one of our friendly team will be in touch to talk you through your options, answer any questions and guide you through the next steps.
We'll also work with the dealer and take care of the paperwork, making the whole process as straightforward as possible.
Whether you've already found the right van or you're still shopping around, we're here to help.
Who can apply for van finance?
You can usually apply if you:
- Are 18 or over
- Live in the UK
- Have at least three years of UK address history
Every lender has its own eligibility criteria, so approval will always depend on your individual circumstances.
Will van finance affect my credit score?
It can.
When you apply for finance, we'll start with a soft credit search to provide your quote, which won't affect your credit score.
If you decide to go ahead, the lender will usually carry out a hard credit search, which may have a small impact on your score.
Once your finance agreement is in place, making your monthly payments on time could have a positive effect on your credit history over time. On the other hand, missed or late payments could affect your credit score and your ability to obtain finance in the future.
If you're unsure about how finance could affect your credit profile, our team will be happy to answer any questions before you apply.
Can I get van finance with bad credit?
Yes, it's possible.
We understand that life doesn't always go to plan, and having a poor credit history doesn't automatically mean finance is out of reach.
At Luv Cars, we work with lenders who consider applications from customers with a range of credit backgrounds, including those who've experienced financial difficulties or been declined elsewhere.
While approval can't be guaranteed, we'll do our best to help you explore the options available.
All finance is subject to status and affordability.