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Compare Van Loans

Compare van loans from a panel of UK lenders via Brumble. Personal or business use, new or used. Check your eligibility with a soft search that will not affect your credit score. Representative 29.8% APR (fixed).

Soft search, no credit impact
One search, multiple lenders
Borrow up to £35,000
5.0Rated 5 stars on Google
Check Your Eligibility

Brumble works with ClearScore, a credit broker, to help you compare van loan options from a panel of lenders.

Both Brumble and ClearScore are credit brokers, not lenders.

How Does a Van Loan Work?

Checking your eligibility for a van loan via Brumble is quick and easy. You could borrow between £1,000 and £35,000, with repayment terms from 1 to 7 years.

1

Tell Us What You Need

Enter how much you want to borrow for your van, choose a term.

2

See Your Options

A soft search checks your eligibility across multiple lenders. It will not affect your credit score.

3

Choose and Apply

Pick the offer that works for you then complete your application.

Check Your Eligibility

When checking your eligibility, select 'Car Loan' as the loan purpose. This covers cars, motorbikes, and vans.

Van Loan Calculator

Use our van loan calculator to estimate your monthly repayments on a personal loan for a van. Enter the amount you want to borrow, choose a term, and adjust the APR to see how the numbers change.

£
£1,000£25,000

Monthly Repayment

£202.52

Total repayable

£9,720.80

Total interest

£1,720.80

Check Your Eligibility

When checking your eligibility, select 'Car Loan' as the loan purpose. This covers cars, motorbikes, and vans.

Brumble works with ClearScore, a credit broker, to help you compare van loan options from a panel of lenders.

Both Brumble and ClearScore are credit brokers, not lenders.

Representative example: If you borrow £5,000 over 36 months at a rate of 29.8% APR (fixed), your monthly repayments would be £211.70. The total amount repayable would be £7,621.20. Total cost of credit: £2,621.20. The rate you are offered may differ based on your individual circumstances.

Why Use a Personal Loan to Buy a Van?

Van dealers typically offer hire purchase (HP) and lease agreements, and occasionally PCP, but these are all forms of finance where the lender holds security over the vehicle. A personal loan is different. It is unsecured, the van is yours from day one, and you have complete flexibility over how you use it. This makes personal loans a popular form of used van finance, because you can buy from any seller. Here is how the options compare.

Personal Loan

  • You own the van outright from day one
  • Buy from any seller: dealer, private, or auction
  • No mileage restrictions
  • Usually requires a higher credit score
  • Sell or modify the van at any time
  • Use for personal or business purposes

Hire Purchase (HP)

  • You do not own the van until the final payment
  • No mileage restrictions
  • No balloon payment
  • Cannot sell the van until finance is settled
  • Finance is secured against the van

Van Lease

  • You never own the van
  • Typically lower monthly payments than buying
  • Mileage limits apply, excess charges if exceeded
  • Van must be returned in good condition
  • Cannot modify or sign-write without permission
  • May suit businesses wanting to upgrade regularly

A personal loan gives you the most flexibility. You are not tied to a dealer, you own the van outright, and you can insure it with any provider. Compare van insurance via Brumble →

Business Van Finance

If you are a sole trader, tradesperson, or small business owner, a personal loan can be one of the simplest ways to buy a van for work. Unlike commercial vehicle finance, you do not need to provide two years of business accounts or a trading history. You apply as an individual, based on your personal income and credit profile.

This makes personal loans especially useful for new businesses, freelancers, and self-employed workers who may not yet have the trading history that commercial finance providers require.

Once you own the van outright, you are free to sign-write it, fit it out for your trade, and put as many miles on it as you need. There are no mileage restrictions and no end-of-term condition inspections.

For limited companies with an established trading history, commercial vehicle finance or a business loan may offer tax advantages such as capital allowances. It is worth speaking to your accountant to compare the options if your business is VAT registered.

Check Your Eligibility

When checking your eligibility, select 'Car Loan' as the loan purpose. This covers cars, motorbikes, and vans.

Campervan and Caravan Finance

Campervan finance via a personal loan can be used to buy a campervan, motorhome, touring caravan, or static caravan. Because the loan is unsecured, you own the vehicle or caravan outright and are free to modify, convert, or sell it at any time.

Getting a campervan on finance with a personal loan is especially popular with buyers of panel van conversions. Dealer finance is often only available on new or approved used vehicles, but a personal loan lets you buy a base van privately and fund a self-build conversion.

Touring caravans and static caravans can also be purchased with a personal loan. For touring caravans, a typical cost of £5,000 to £15,000 sits well within the personal loan range. Static caravans can vary widely in price depending on the site and model.

If you have a lower credit score, you may still be able to find a personal loan for a campervan or caravan. Check your eligibility via Brumble with a soft search that will not affect your credit score.

Compare caravan insurance via Brumble →

Van Loans with Bad Credit

Bad credit van finance is available in the UK, and a lower credit score does not automatically mean you cannot get a van loan. When you check your eligibility via Brumble, a soft search is carried out across a panel of lenders, including some that specialise in van finance bad credit applications.

The rate you are offered will depend on your individual circumstances and may be higher than the representative APR. A higher rate means higher monthly repayments and a greater total cost, so use the calculator above to check what you can afford before applying.

If you are declined or unhappy with the rates available, there are steps you can take to improve your credit score before trying again. Check your credit file for errors, make sure you are on the electoral roll, pay existing bills on time, and avoid making multiple credit applications in a short period.

5 tips for getting a cheaper rate →

What Van Can You Afford?

Under £5,000

Older panel vans, high-mileage workhorses, or a first van for a new business. Many used Ford Transits, Vauxhall Vivaros, and Citroen Berlingos sit in this range. A good starting point for sole traders and tradespeople.

£5,000 to £10,000

Lower-mileage used vans, newer small vans like the Ford Transit Connect, or crew cab models. This is the most popular borrowing range for van buyers.

£10,000 to £20,000

Nearly new or low-mileage commercial vans, larger panel vans like the Ford Transit or Mercedes Sprinter, or a base van for a campervan conversion.

Over £20,000

New commercial vans, electric vans, or specialist vehicles. For larger amounts, lender competition tends to be strong. Electric vans like the Vauxhall Vivaro-e and Ford E-Transit sit in this range.

Only borrow what you need. A van depreciates over time, especially commercial vehicles with high mileage. Use our Budget Planner to check what you can comfortably afford.

Electric Van Finance

Electric vans are becoming a popular choice for businesses operating in cities, especially with clean air zones and ULEZ charges making diesel vans more expensive to run. Models like the Ford E-Transit, Vauxhall Vivaro-e, and Mercedes eSprinter offer ranges suitable for most urban delivery and trade use.

A personal loan can be used to buy an electric van outright. This avoids the mileage restrictions that come with leasing, which is important for delivery drivers and tradespeople who cover high daily mileage.

If you are considering an electric van for business use, salary sacrifice may be an alternative worth exploring for company vehicles. Brumble covers this in detail in our EV Zone.

Learn more about electric vans →|Compare van insurance via Brumble →

Ready to compare van loans?

Check your eligibility in minutes. One soft search, no impact on your credit score.

Check Your Eligibility

When checking your eligibility, select 'Car Loan' as the loan purpose. This covers cars, motorbikes, and vans.

Representative 29.8% APR (fixed)

Explore More from Brumble

Van Insurance

Compare van insurance from 25+ UK insurers via Brumble.

Learn more →

Personal Loans

Compare personal loans for any purpose.

Learn more →

Motorbike Loan

Use a personal loan to buy a motorbike.

Learn more →

Car Loan

Use a personal loan to buy a car.

Learn more →

Van Loan FAQs

Common questions about van loans, eligibility, and how borrowing for a van works.

It depends on your circumstances. A personal loan lets you spread the cost of a van over a fixed term with predictable monthly repayments, which can make a more expensive or newer van accessible without saving up the full amount first. The key is to make sure the monthly repayment fits comfortably within your budget and that the total cost of borrowing represents good value compared to waiting and paying in cash.
Yes. A personal loan gives you a lump sum that you can use to buy a van from any seller, whether that is a dealer, a private seller, or an online marketplace. You own the van outright from day one, with no mileage restrictions and no finance secured against the vehicle.
When you check your eligibility via Brumble, select 'Car Loan' as the loan purpose. ClearScore groups all vehicle purchases, including vans, under this category. This has been confirmed by ClearScore and will not affect your application.
Yes. Many van buyers are self-employed tradespeople, couriers, or small business owners. Lenders will typically look at your income, how long you have been self-employed, and your credit history. Having at least two years of accounts or tax returns can improve your chances. Use an eligibility checker to see your likely options without affecting your credit score.
Yes, some lenders offer van loans to applicants with lower credit scores, though the interest rate may be higher. Checking your eligibility via Brumble uses a soft search, which does not affect your credit score. This lets you see what you may be offered before deciding whether to apply.
The cheapest option depends on your credit profile, the amount you need to borrow, and how long you want to repay over. A personal loan may offer competitive rates, but the rate you are offered will depend on your individual circumstances. Always compare the total cost of borrowing, not just the monthly payment, and use an eligibility checker to see your likely rate before applying.
There is no single credit score required. Each lender sets its own criteria based on your credit history, income, and existing commitments. A higher credit score may unlock lower interest rates, while a lower score does not necessarily mean you will be declined. Use an eligibility checker to see your likely options without affecting your credit score.
With a personal loan, you own the van outright from day one and can sell it, modify it, or use it for any purpose. With a lease, you never own the van, you are subject to mileage limits and condition requirements, and you cannot modify or sign-write it without permission. A lease may offer lower monthly payments, but a loan gives you an asset you own at the end of the term. For tradespeople and couriers who need to sign-write or modify their van, a loan is often the more practical option.
With a personal loan, you receive a lump sum and own the van outright from day one. You are free to modify, convert, or sell the van at any time. With hire purchase, the lender holds security over the van until you make the final payment, meaning you do not own it until the agreement ends.
Yes. A personal loan can be used to buy a campervan, panel van for conversion, or a caravan. Because you own it outright, you are free to modify and convert it however you like, which is not usually permitted under dealer finance or lease agreements.
Yes. Because a personal loan gives you a lump sum, you can factor in the cost of van insurance, tools, equipment, sign-writing, or any other upfront costs when deciding how much to borrow. This is not possible with most dealer finance or lease agreements, which only cover the vehicle price.
Yes. A personal loan can be used to buy a van for business purposes. However, a personal loan is taken out in your name as an individual, not in a business name. If you need finance in a company name, you would need a commercial vehicle finance agreement. Speak to an accountant about how the costs may be treated for tax purposes.
Unsecured personal loans are typically available from £1,000 up to £35,000. The amount you can borrow depends on your income, existing financial commitments, and credit history. Most used vans fall within this range.
Yes. Under the Consumer Credit Act, you have the right to repay your loan early at any time. Most lenders charge up to two months of interest as an early settlement fee. Check the early repayment terms before you borrow if you think you might want to pay it off ahead of schedule.
No. Brumble is an Introducer Appointed Representative of ClearScore, which acts as a credit broker. ClearScore helps you compare van loan offers from a panel of UK lenders. You check your eligibility with a single soft search, then choose the offer that works for you and apply directly with the lender.
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Brumble is a trading name of Be Clear Technologies Limited, an Introducer Appointed Representative of ClearScore. ClearScore is a trading name of ClearScore Everywhere Limited, authorised and regulated by the Financial Conduct Authority (FCA). Registered office: Vox Studios, 1-45 Durham Street, London, SE11 5JH. Registered in England and Wales, company number 06297533. VAT number 257 0001 44. ClearScore acts as a credit broker, not a lender. If you take out a product or are introduced to a third-party provider via Brumble, both Brumble and ClearScore will receive a payment from that provider. This payment may be a fixed or variable amount depending on the product and lender, but it will not affect the amount you pay back.

Be Clear Technologies Limited is registered in England and Wales (Company No. 16416180). Registered office: Northwood House, 138 Bromham Road, Bedford, England, MK40 2QW, United Kingdom. Be Clear Technologies Ltd. All Rights Reserved.

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Information provided on our website relating to insurance or financial products is intended for editorial purposes only and not intended as a recommendation or financial advice.

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