Van finance & loans

Van finance can help you find what you need for business, family, or personal use. This purchase method is much more achievable than buying a new vehicle outright. Plus, you can upgrade to a new model in as little as 2-3 years. All you have to do is make your monthly payments on time with the agreed interest - and enjoy your new vehicle on finance!

What types of van financing are available?

We offer different types of finance for vans so everyone can find what they are looking for!

Van hire purchase finance: Purchase under the instalment plan for 24-60 months. All you need is a deposit equal or greater to 10% of the total value of the van — the larger the deposit, the lower the monthly payments.

Van PCP Finance: You don't pay the total price of the vehicle - you pay what it will be worth at the end of the contract. You can keep the van, return it, or exchange it for a brand new model at the end of the agreement.

No deposit: You don't have to save up a considerable sum to make a deposit. Thanks to no deposit offers, you can spread the entire cost of the vehicle into affordable monthly payments.

No credit check: It's not always easy to maintain a perfect history, and anyone can have problems getting finance. We carefully pre-check the likelihood of your application being formally accepted by performing what is described as a "soft" check. It has no impact on the information held about you by credit agencies.

Bad credit van finance: Some specialists work with car financing for individuals with bad credit. You decide how much you want to borrow and how much you can afford to pay each month - the rest is up to us.

How it works

Applying for a loan from Carplus is easy. You can apply for it online after using our finance calculator.

To make an application to finance a van, you will need:

• To decide on the amount you want to borrow and the length of time you want to borrow it over
• Your contact information
• Employment information for the last three years
• Residence address information for the past three years

To ensure you get the best possible finance deal, we will also need to understand your current financial situation fully.

Then you go through a "soft" check. If successful, if you want to take advantage of one of the offers offered by the lender, you can fill out an application online while passing the "hard" check.

Am I eligible to finance a van?

To be eligible for van finance, you need to meet a few simple criteria:

• You are 18 years of age or older.
• You have lived in the UK for the last 12 months.
• You earn an income of at least £1,000 per month (you may be self-employed or a company staff member).

Even if you haven't got your driver's licence yet and currently only have a provisional licence, Carplus can help you get van finance. The financing is available not only to individuals but also to self-employed people.

Can you finance any van?

With Carplus, you get access to the most popular van models, including:

• VW Transporter
• Renault Trafic
• Citroen Berlingo
• Ford Transit
• Mercedes Sprinter
• Vauxhall Vivaro and much more!

We are ready to help you if you have a problem raising money for a finance deposit. If you meet the criteria, you can take advantage of our no deposit service. We finance individuals and self-employed people, small and large businesses from all over the UK.

What are the best vans to buy with Carplus?

Are there any restrictions on the van I can buy through Carplus?

Carplus gives you the opportunity to buy a passenger, truck, or commercial vehicle on flexible terms. The financing is available to individuals, small businesses, and the self-employed.

However, there are some restrictions on what kind of van we can offer you. For example, Carplus does not provide finance for brand new vehicles. If this is the type of vehicle you need, it is worth considering other financing options.

Also, some of our finance options may have age and mileage requirements for the van. The ideal choice, especially if this is your first van on financing, would be one with less than 100,000 miles on the clock and less than ten years old.

It's also possible that Carplus won't have any particular van model you'd like to get. But this problem is easy to solve - just give us a call, and we'll be sure to work something out. Other than these limitations, you have nothing to worry about. Getting financing for almost any van at Carplus is easy and fast.

How to apply for van finance online?

Applying for a van loan at Carplus takes minimal time, is quick and easy, and saves you stress. You can apply online using our application form. It only takes a few minutes to fill out.

First, we will need some information about you – including your full name and address. In addition, we will need information about your financial situation. This will guarantee the best offer for you. The application also includes a soft check to assess your suitability.

What paperwork will I have to provide to apply for van finance through Carplus?

Don't be afraid of bureaucracy and problems when applying - it's actually very easy. Financing is available to individuals, small businesses, and self-employed people. First, you will need to confirm your identity. You will need your passport or driver's licence to do this.

Some brokers may ask you to take selfies - to make sure it is you. This is to prevent you from getting scammed. After all, these days, the most skilled scammers can get access to almost any personal information - even passport data. And selfies are a much better guarantee that it is you making the application. Lenders will also need your address.

Once your identity has been verified, you will need to provide information about your financial situation. You'll need to prove your income - more specifically, your ability to pay your van bills. This is done by providing a bank statement. Brokers do this in order to perform a credit check.

As you can see, you don't have much paperwork to do. You can get funding approval with just two or three documents. The main thing is to confirm your identity, address, and financial capabilities. And that's it, a huge selection of vans and cars on finance will be open to you!

Will applying for a van loan affect my credit score?

When you apply for finance with Carplus, we will first perform a 'soft' examination to ensure you are a suitable match. This information is not passed onto our panel of lenders and will not be recorded on your file.

Before applying, it is important to be aware of your rating. You can find out your current score for free by requesting a copy of your file from either Experian, Equifax, or TransUnion.

Can Carplus help me with van finance if I have an outstanding balance on my present van?

Even if you have a finance deal left on your old one, purchasing a new van is possible. Of course, we at Carplus will do everything we can to help you. But you can also influence a favourable decision in this matter yourself. You can increase the likelihood of being approved for a second application in the UK by following a few rules:

• Applying for finance with guarantors and providing proof of income. Also, the availability of collateral - vehicles or any real estate - will be a plus.
• Collecting the maximum number of documents confirming income.
• Specify a longer finance term in the application, as the monthly payments will be smaller.
• If you have several outstanding loans, it makes sense to refinance them into a single debt. Often the refinancing programme offers better interest rates.
• Overdue payments on the previous financing must be closed. Banks do not give repeated lends to unreliable borrowers.

Regardless of which van you've taken financing for before or why you need a new loan, Carplus will do everything possible to help you get new financing.

Why choose Carplus?

• We always find the best deals for every customer and try our best to offer a low-interest rate.
• With us, you can finance a van even if you have bad credit.
• We have an unbelievable range of vans.
• Our terms are extra flexible; we adjust to every budget.
• Every vehicle that you see at Carplus receives a full HPI check and RAC-approved inspection.