Van finance calculator

Must be between £3,000 to £50,000
Must be between £100 to £10,000 and difference between borrow and deposit must be £5,000

These estimates are subject to credit checks and may change when you apply for finance. this is for example purposes only

Hire Purchase (HP)
APR 9.9%

60 monthly payments of


Interest rate
9.9% APR
Amount of interest
Total payment
Personal Contract Purchase (PCP)
APR 9.9%

60 monthly payments of


Optional final payment
Interest rate
9.9% APR
Amount of interest
Total payment

Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.

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?

At Carplus, you'll find a huge selection of vans for finance - both for personal and commercial use. We can give you some recommendations on the best vans for financing in the UK. But remember, the choice is yours alone. It may be based on your goals - for example, a van for a large family won't suit an electrician or a construction worker.

A commercial van must be roomy, manoeuvrable, and comfortable for the driver and passengers. The modern market for commercial vehicles is so wide that one can approach the choice from several perspectives. See more...

All-metal vehicles for commercial use are a special kind of transport designed for work, so there are special conditions. So, the vehicle must have a low starting cost, sufficient reliability, maintainability, and low cost of operation. By choosing one that meets these requirements, entry into the business will be as comfortable as possible, and the payback period will take a minimal amount of time.

Now let's explore the most popular vans on finance at Carplus. For convenience, the rating is divided into several popular categories.

Our recommendations for small business pickups:

  • Mitsubishi L200. Classic frame pickup with high ground clearance and lots of storage room. It is suitable for small courier deliveries and family trips out of town. Even basic versions of the Mitsubishi L200 have all the necessary options for comfortable driving.
  • Nissan Navara. Another classic frame pickup. The vehicle shares its platform with such models as the Renault Alaskan and the Mercedes-Benz X-Class. An excellent choice for both business and personal use.
  • Volkswagen Caddy. It is ideal for business, the self-employed and the family. The van is suitable for transporting relatively heavy loads.

Our recommendations for small and midsize vans for small businesses:

  • Mercedes-Benz Citan. A commercial vehicle that optimally meets urban transport requirements: reliability, versatility, and efficiency.
  • Ford Transit Connect. Universal, roomy, reliable, and responsible van for work and family outings out of town.
  • Renault Trafic. This cargo vehicle can be described as efficient, comfortable, and powerful.

Our recommendations for large vans for small businesses:

  • Citroen Relay. A decent, extremely practical large vehicle. The Relay can do a good job of moving large volumes and heavy-weight cargo, making it a handy work tool.
  • Ford Transit. This one blends harmoniously into the interiors of both grocery warehouses and delivery service hubs, as well as corporate fleet garages.
  • Vauxhall Movano. Agile, capacious, and durable vehicle, suitable for cargo and passenger transportation.
  • Volkswagen Transporter. Rather expensive, but a high-quality, safe, and reliable van. It has many comfort options. The car is capable of carrying quite heavy and bulky cargo.

If you like any of these models, be sure to email us and apply for financing on our website. We will be happy to help you out!

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.


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 in the UK, 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 vehicle 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 instalments. PAYG vehicle financing applications are usually processed much more quickly and easily than finance applications.

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

With Carplus, you can get finance even with a bad 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 vehicle I can buy with financing brokered by Carplus?

The main rules for applying for a finance deal with Carplus are as follows: 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.

Does Carplus charge any additional for financing a van?

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