Van finance calculator

Good credit
Bad credit
Amount to borrow:
To repay over:
5 Years
Car finance rate XX% APR
Cost of credit £ XXX
Total repayment £ XX,XX.XX
48 monthly payments of
£ 245 /mo

Representative example - Borrowing £5,500 over 4 years with a representative APR of 19.8%, and a deposit of £0, the amount payable would be £162 per month, with a total cost of credit of £2,282 and a total amount payable of £7,782.

Carplus will find the best car loan rate from our panel of lenders and will offer you the best possible deal. We don’t charge fees, but we earn a commission. This does not influence the APR you’re offered in any way.

We compare car finance deals for you

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Van finance can help you find what you need for business, family, or personal use. This way of buying is much better and cheaper than paying for a new van 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!

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. At the end of the agreement, you can keep the van, return it, or exchange it for a brand new model.

No deposit: You don't have to save up a considerable sum to buy a new car or at least 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 credit history because anyone can have problems getting credit. 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 about you.

Bad credit van finance: Some specialists work with car financing for individuals with bad credit. You just 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.

What you will need for the application to finance a van online:

  • The amount you want to borrow and the length of time you want to borrow it
  • 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 deal, we will also need your current financial situation.

Then you go through a "soft" credit 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 a van finance, you need to meet a few simple conditions:

  • 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 each month.

Even if you haven't yet got your driver's license and currently only have a provisional licence, Carplus can help you get a van loan.

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 deposit. If you meet the criteria, you can take advantage of our no deposit funding service.

How to apply for van finance online?

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

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

Why choose Carplus?

  • We always find the best deals for every customer and try 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 for you to choose from.
  • Our credit terms are extra flexible; we adjust to every budget.
  • Every van that you see at Carplus receives a full HPI check and RAC-approved inspection.

Will applying for a van loan affect my credit score?

When you apply for a van loan with Carplus we will first perform a ‘soft’ credit check to ensure you are a suitable match for a loan. This information is not passed onto our panel of lenders and will not be recorded on your credit file.

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


Let us take a look at some of the most popular questions about van finance.

Do you offer guaranteed van finance?

As your trusted broker, Carplus always offers guaranteed van financing. With us, you do not need to worry about anything during the process. If you meet all of the criteria, you can enjoy your guaranteed van financing straight away.

Do I need a deposit for van finance?

No, it is not necessary. At Carplus, we also offer no-deposit van financing if you cannot afford to pay a deposit straight away. If you meet the criteria, you can take advantage of our no deposit funding service.

Do you do pay-as-you-go van finance?

Yes, we do. Pay-as-you-go is based on a Hire Purchase (HP) agreement. This arrangement involves a down payment and monthly payments. PAYG van financing applications are usually processed much easier and faster than credit applications.

What kind of credit score do you need to buy a van?

With Carplus, you can get a loan even with a bad credit score. However, the higher your score is – the better. You can find out your current score for free by requesting a copy of your file from either Experian, Equifax, or TransUnion.

Are there any restrictions on the van I can buy with financing brokered by Carplus?

The main rules for applying for a van with Carplus are the following: you are 18 years of age or older, you have lived in the UK for the last 12 months, and you earn an income of at least £1,000 each month. You also have to be approved for credit.

Do Carplus charge any additional fees for financing a van?

No, with the van on finance scheme, you only pay the total cost of the van plus interest. Interest is calculated as a percentage of the amount you borrow. The higher the rate, the more you will pay.

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