Search used vans on finance
How does used van finance work at MOTORS?
Buying a used van on finance at MOTORS is straightforward. We work with an extensive network of automotive retailers to help you find the right van. On each of their adverts, you'll find an estimated monthly payment, making it easy to find vehicles that fit your budget.
Once you've found your ideal van apply online in just four simple steps to receive your personalised quote.
While we don't sell finance products directly, our partnership with CarMoney ensures flexible finance agreements with access to numerous lenders, guaranteeing you the best possible deal.
What types of used van finance are available?
Personal Contract Purchase (PCP)
PCP van finance allows you to pay an initial deposit followed by fixed monthly payments over a set period of time. At the end of the agreement, you have the option to pay a lump sum (or balloon payment) to become the legal owner of the van or hand it back to the finance company.
Hire Purchase (HP)
HP van finance allows you to finance the total cost of the vehicle, meaning there's no large lump sum to pay at the end. You'll pay an initial deposit followed by fixed monthly payments over the agreed term and will become the legal owner of the vehicle once all the payments have been made (including a small 'option to purchase fee').
Conditional Sale (CS)
Much like HP finance, CS van finance allows you to finance the total cost of the van, avoiding the requirement to pay a lump sum at the end of the agreement. With CS van finance deals, there will be no 'option to purchase' fee once all payments are made - you will automatically become the legal owner of the vehicle.
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Can I get used van finance with bad credit?
Yes, you're still eligible for some van finance deals if you have a bad credit score. Before any hard credit checks are initiated, our partners will run a soft credit check that leaves no mark and highlight the best deals available to you.
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Is it hard to get van finance?
No, getting van finance is a simple process that can be completed from the comfort of your home. Apply online to receive the best deals and rates available from the UK's best lenders based on your personal profile.
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Can I get van finance without a credit check?
Unfortunately not. All finance lenders will require a hard credit check before you're fully approved for a finance agreement. However, CarMoney will run a soft credit check that leaves no mark on your credit score first to review your eligibility and suggest deals with a high likelihood of approval.
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Is van finance different to car finance?
All in all, the process behind getting a used van on finance and getting a used car on finance is very similar. A van finance agreement is worked out by considering factors such as vehicle value, depreciation and interest rates, much like a car finance agreement.
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What is the interest rate for van finance?
The interest rate you'll receive for van finance will vary depending on personal circumstances such as credit history and affordability. When buying a van on finance with MOTORS you have access to a wide range of lenders to ensure you get the best finance rates available.