EV ZoneGet a Used Van Finance Quote Today.
Get quotes for used van finance from £3,000 to £100,000. Spread your monthly payments over 1 to 7 years.
Get fast decisions on HP & PCP.
No Deposit Required.
For personal, business and self-employed buyers.
Representative 19.8% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
How It Works
Getting a van on finance via Brumble takes three simple steps. Applying for van finance does not have to be complicated. A soft search checks what you could be eligible for with no impact on your credit score. If you decide to proceed with a full application, a hard credit search will be carried out by the lender, which may affect your credit score.
Get Approved
Get your van finance decision in minutes. See what you could borrow using a soft search.
Choose Your Van
Pick a used van from a verified UK dealer.
Collect Your Van
Once your finance is agreed, just arrange a time to collect your van.
What Could Van Finance Cost?
Hire purchase (HP) and personal contract purchase (PCP) are the two main types of van finance. This example shows what each could cost for a £20,000 used van over 60 months, for someone with a good credit history. The rate you get depends on your own situation.
£330.78
per month
With PCP, you have three choices at the end. You can hand the van back, pay the optional final payment of £8,000.00 to keep it, or part exchange it. If the van is worth more than you owe, you can put the difference towards your next deal. A yearly mileage limit applies, and you may pay extra for each mile over it.
£98.01/mo cheaper
PCP monthly saving vs HP
£1,778.62 more
PCP total cost vs HP
Ownership
HP: yours at end. PCP: optional.
Representative Example: Borrow £12,000 over 5 years with a £0 deposit. Representative 19.8% APR fixed rate. Monthly payment: £306.04. Option to purchase fee £10 payable. Total cost of credit: £6,372.40. Total amount repayable: £18,372.40.
Credit is subject to status.
Van prices can be shown with or without VAT. Check what's included before you apply.
Use the calculator below to try your own figures.
Van Finance Calculator.
Want to know what your monthly payments could be? Our calculator shows what you could pay each month. It uses the van price, your deposit and the length of the deal.
- Estimate monthly payments instantly
- Compare how van price and term length affect cost
- See the difference between hire purchase (HP) and PCP monthly payments
Why Get a Van on Finance?
When you buy a van on finance, you spread the cost into monthly payments. You can get the van you need without paying the full price up front.
Get on the Road Sooner
You can get the van you need without saving up the full price first. Spread the cost into fixed monthly payments over 1 to 7 years, with options from £3,000 to £100,000.
Keep Your Cash Free
Keep your savings for tools, stock or emergencies, instead of paying for the van in one go. Deals with no deposit may be available.
Choose a Van That Fits the Job
Without finance, your budget limits you to what you can pay today. With hire purchase (HP) or PCP, you could get a van that suits your work better.
Business Van Finance for Sole Traders and Limited Companies
Lots of people who need a van work for themselves. Business van finance via Brumble is open to sole traders, couriers and limited companies. Our partner compares lenders for personal and business use. A lender is the company that lends you the money.
For self-employed van finance, lenders need to see that you can afford the payments. They may ask for proof of income, such as your tax returns or bank statements.
For limited company van finance, the company applies for the deal. It may be asked for its accounts and how long it has been trading.
Deals for sole traders are usually regulated, which gives you extra protections. Deals for limited companies are usually not.
If you are new to working for yourself, it may be harder to get accepted. The rate you are offered may be higher too. No lender can promise approval. Each one decides based on your circumstances.
If your business is VAT registered, ask your accountant how VAT and tax work on a van bought on finance.
Bad Credit Van Finance
Bad credit or poor credit van finance works in the same way as any other deal, but the rate you are offered may be higher. A higher rate means higher monthly payments and a higher total cost.
Lenders look at your credit history, such as missed payments or CCJs. They also look at your income, what you already pay out each month, and how much you want to borrow.
A few simple steps may help:
- Check your credit report for mistakes. You can do this for free with ClearScore, Experian or Credit Karma.
- Register to vote at your current address.
- Put down a bigger deposit if you can, so you borrow less.
- Only borrow what you can comfortably afford.
Checking your eligibility via Brumble uses a soft search, so it will not affect your credit score. If you decide to proceed with a full application, a hard credit search will be carried out which may affect your credit score. All van finance is subject to status. Use the calculator above to see what you could afford before you apply.
Used Van Finance
Van finance via Brumble is for used vans. Our partner compares lenders for used vans on finance, on hire purchase (HP) or PCP. Some lenders have limits on how old a van can be and how many miles it has done. Check this before you choose.
Before you buy, check the van's history. Our free MOT checker shows its past MOT results and mileage. It also lists advisories, which are things the tester thinks may need work soon. You can also check if a van still has finance owing with a Premium Vehicle Report.
Electric Van Finance
You can use hire purchase (HP) or PCP to buy a used electric van, in the same way as a petrol or diesel van.
Electric vans can cost more to buy, but they may cost less to run. This is more likely if you can charge at home or at work. They may also help you avoid clean air zone charges in some cities.
Check the range fits your working day, and ask about the battery warranty. Find out more about electric vans.
Van Hire Purchase (HP) vs PCP: Which Could Suit You?
Two ways to finance a van, but they work quite differently. Here is how they compare on the things that matter most.
| Feature | HP (Hire Purchase) | PCP (Personal Contract Purchase) |
|---|---|---|
| Monthly payments | Higher, as you are paying off the full value | Lower, as you only pay off part of the value |
| Own the van? | Yes, after your final payment | Optional, pay the final payment to keep it |
| Mileage limits | No limits | Yes, extra charges apply if you go over |
| Wear and tear | No checks at the end, as the van is yours | The van is checked if you hand it back, and you may pay for damage |
| Deposit | Usually around 10% (£0 options available) | Usually around 10% (£0 options available) |
| Term length | 1 to 7 years, depending on the lender | 1 to 7 years, depending on the lender |
| End of deal | The van is yours to keep, sell or trade in | Hand back, pay to keep, or part exchange |
| Hand the van back early? | Usually, once you've paid half | Usually, once you've paid half |
| Total cost | Often cheaper overall | Can cost more due to interest on the final payment |
| Bad credit? | May be easier to get, as the van acts as security | Depends on lender |
HP may suit you if
You want to own the van at the end. You drive a lot of miles for work. You like a simple deal.
PCP may suit you if
You want lower monthly payments and like to change vans every few years. You also want choices at the end of your deal.
Want to know more? Read our guide to PCP vs HP.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR), with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityVan Finance or a Van Loan?
There are two common ways to spread the cost of a van. They work in different ways and give you different protections.
Van finance (HP or PCP)
The finance company owns the van until you finish paying. The van is security for the deal. If you stop paying, the lender can take it back.
Van loan
You borrow the money and buy the van yourself. The van is yours from day one, with no mileage limits. The loan is not secured on the van.
| Feature | Van finance (HP or PCP) | Van loan |
|---|---|---|
| Who owns the van? | The finance company, until your last payment | You, from day one |
| Who's responsible if it's faulty? | The finance company and the dealer | The seller, as the lender is not involved |
| Can you hand it back? | Usually, once you've paid half | No, you keep paying the loan |
| Can the lender take the van back? | Yes, if you stop paying. Once you've paid a third, it usually needs a court order | No, as the loan is not secured on the van |
The van finance rights above apply to regulated deals. Most deals for personal use and sole traders are regulated.
Prefer to own the van outright from day one? Compare van loans.
Buying a car instead? Compare car finance.
Looking for something else? See all money products.
How to Compare Van Finance Deals
When you compare van finance deals, look at the total amount you will repay, not just the monthly payment. A lower monthly payment can cost more overall. These six things affect the deal you are offered.
Your credit score: Lenders use your credit history to decide what rate to offer. A higher score usually means a lower APR. APR is the yearly cost of borrowing, with interest and fees. You can check your score for free with ClearScore, Experian or Credit Karma.
The size of your deposit: A bigger deposit means you borrow less. This can lower your monthly payments and the total cost. Even a small deposit can help.
The length of the agreement: A shorter deal means higher monthly payments but less interest overall. A longer deal spreads the cost, but you pay back more in total.
The van's value, age and mileage: Lenders look at the van's age, mileage and condition, and these can affect your rate. Some lenders limit how old a van can be by the end of the deal.
The type of finance: Hire purchase (HP) and PCP work differently and suit different budgets. HP gives you ownership at the end. PCP has lower monthly payments, but there is a final payment if you want to keep the van.
Your work and income: Lenders check you can afford the payments, based on your income and outgoings. The type of work you do can also affect the offers you get.
Check a Van Before You Buy
Before you agree to finance, check the van's history. Our free MOT checker shows its past MOT results and any advisories. Our tax checker shows its road tax and ULEZ status.
Already Got a Van on Finance?
Already paying for a van on finance? Make sure you are not paying too much for van insurance too. Comparing quotes from a range of insurers is a quick way to check.
Content produced by
Ryan is the founder of Brumble and has over a decade of experience in the UK motor finance and insurance industry. He created Brumble to make it easier for UK drivers to understand the insurance and finance world by cutting through the jargon.
Originally published: 13 November 2026 · Last updated: 13 November 2026
Van Finance FAQs.
Find answers to your common questions about van finance.
Van finance lets you spread the cost of a van over monthly payments instead of paying it all at once. A lender pays for the van, and you pay them back over 1 to 7 years with interest. With Hire Purchase (HP), you own the van once it is paid off. With Personal Contract Purchase (PCP), you can keep, return or part exchange the van at the end.
With HP, you pay off the full value and own the van at the end, with no mileage limits. PCP has lower monthly payments, as you only pay off part of the van's value. There is a final payment if you want to keep it. PCP also has a yearly mileage limit, which matters if you drive a lot for work.
A balloon payment is the larger final payment at the end of a PCP deal. You only pay it if you want to keep the van. It is set at the start, based on what the van is expected to be worth.
You usually have three choices. Pay the balloon payment and keep the van. Hand the van back with nothing more to pay, as long as you are within the mileage limit and it is in good condition. Or part exchange it for another van.
Commercial vehicle finance is finance for vehicles used for work, such as vans and pickups. It works in a similar way to car finance, with options like HP and PCP. It can be taken out by a person or a business.
Yes. Van finance via Brumble is for used vans, on HP or PCP. Some lenders have limits on the van's age and mileage. Check the van's history with our free MOT checker before you buy.
Yes, you can use HP or PCP to buy a used electric van, in the same way as a petrol or diesel van. Check the range suits your working day, and ask about the battery warranty.
Not always. Some lenders may offer no deposit van finance, depending on your circumstances. Putting a deposit down means you borrow less, so your monthly payments are lower. Aim for around 10% of the van's price if you can. Remember to budget for insurance, tax and running costs. You can compare van insurance quotes via Brumble.
Lenders usually ask for photo ID, such as a driving licence, proof of address, your bank details and proof of income. If you are self-employed, they may ask for tax returns or accounts.
Yes. Our partner compares lenders who will look at self-employed people. You may be asked for proof of income, such as tax returns or bank statements. Checking your eligibility via Brumble uses a soft search, so it will not affect your credit score. If you decide to proceed with a full application, a hard credit search will be carried out which may affect your credit score. All van finance is subject to status.
Yes. Our partner compares lenders for business use. This includes sole traders and limited companies. A limited company may be asked for its accounts and how long it has been trading. Approval depends on each lender's checks. All van finance is subject to status.
There is no single score you need. Each lender sets its own rules. A better credit score usually means a lower rate, but some lenders work with people who have bad or poor credit. Checking your eligibility via Brumble uses a soft search, so it will not affect your credit score. If you decide to proceed with a full application, a hard credit search will be carried out which may affect your credit score. All van finance is subject to status.
Yes, it is possible to get van finance with bad credit, although the rates and terms may differ from those offered to applicants with higher credit scores. Some lenders specialise in working with people who have lower credit scores, CCJs, or limited credit history. Applying via Brumble uses a soft search first, so checking your eligibility will not affect your credit score. If you decide to proceed with a full application, a hard credit search will be carried out which may affect your credit score. All van finance is subject to status.
Some lenders may count certain benefits, such as Universal Credit, as part of your income. They will still check that you can afford the payments. Only take out van finance if you can comfortably afford it. Checking your eligibility via Brumble uses a soft search, so it will not affect your credit score. If you decide to proceed with a full application, a hard credit search will be carried out which may affect your credit score. All van finance is subject to status.
The initial eligibility check via Brumble's partner is a soft search, so it will not affect your credit score. A hard credit check only happens if you decide to proceed with a full application. This hard search may cause a temporary dip in your credit score, even if you are approved. If you apply to several lenders in a short time, the hard searches could add up, so it is worth being selective.
With hire purchase (HP) and PCP, the finance company owns the van until your last payment. That means it is responsible if the van is faulty or not as described, as well as the dealer. You usually have 14 days to change your mind after signing. You can pay off the deal early, and you may get some interest back. Once you have paid half of the total amount, you can usually hand the van back and end the deal. Once you have paid a third, the lender usually needs a court order to take the van back. These rights apply to regulated agreements, which covers most deals for personal use and sole traders. Deals for limited companies are usually not regulated, so these rights may not apply.
Yes, you can usually pay off van finance early. Ask your lender for a settlement figure, which shows how much you need to pay to clear the agreement. You may pay less interest overall, but some lenders charge a fee for settling early.
If you have a regulated HP or PCP deal, you can usually hand the van back once you have paid half of the total amount. This is called voluntary termination. You may need to pay extra if the van has damage beyond normal wear and tear. If you are struggling with payments, talk to your lender early. Free help is also available from MoneyHelper.
With a van loan, you own the van from day one and the lender cannot take it back. But the lender has nothing to do with the van, so if it is faulty, you deal with the seller. You also cannot hand the van back to end the loan. With HP or PCP, the finance company owns the van until you finish paying, so it shares responsibility if something is wrong. You can also usually hand the van back once you have paid half. The van is security for the deal, so if you stop paying, the lender can take it back. Compare van loans.