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Van Finance: Help & Advice

How We Work

What gets us up in the morning is our enthusiasm to get our customers the most suitable van finance package from our range of over 90 lender products. You will be allocated a dedicated relationship manager who will look carefully at your application with a view to sourcing van finance from the most appropriate funder.

This individual will be your dedicated point of contact and will make the whole process very easy and straight forward. We believe in doing things the old fashioned way with a person, rather than a computer, working to get you the best deal available.

Want To Chat With Us Now?

Our customer service team is available Monday to Thursday 10am to 7pm, Friday 10am to 6pm and Saturday 9am to 5.30pm, so if you have a question you want answering straight away, call us on 0151 705 6778 or use our chat facility by clicking on the chat icon at the bottom right hand corner of the screen. If we're not available, you can leave us a message and we'll quickly get back to you.


After you've applied, to secure the van finance, a lender will ask for three categories of documentation; proof of driving licence, proof of income and proof of address. We can help to further advise you on the specific documentation you'll need once your van finance application has been approved. Different lenders ask for different documentation but they will fall into the three categories named above.
You must be aged 18 or over to apply for car finance.
No, in most cases, you do not need a deposit. If you have funds to use as a deposit, this will reduce the total loan amount and subsequently, your monthly payments. If you have bad credit, a deposit may help you to secure van finance.
Our wide range of lenders cater for all kinds of different employment circumstances, so whether you're employed full-time or part-time, or self-employed, we are likely to have a van finance solution for you.

Finance Options

HP, or Hire Purchase, is a very popular way of financing the van you want. You apply for a set loan amount and once it's approved, you are free to choose the van you want up to that amount. In most cases, no deposit is required. The loan is repaid in fixed monthly instalments, over an agreed period of time. The loan is secured against the vehicle until the full balance has been repaid. Once this has been achieved, ownership of the vehicle is transferred to you from the loan provider.
PCP or Personal Contract Purchase is effectively like leasing or hiring, you defer ownership of the vehicle until you reach the end of the contract. Typically, you need a good credit score to secure a PCP, so if your credit score isn't so good, Hire Purchase (see above) may be a more suitable option. With PCP, at the end of your contract, you have the option to hand back the van or pay a “balloon” payment, representing its agreed residual value, so that you can own it outright.
CarFinance2u has a wide range of lenders who can offer competitive rates on personal loans. These are unsecured loans which allow you to buy the van you want outright, without the loan being secured against the vehicle.
If you are unable to secure van finance with your own circumstances, a guarantor loan may be a suitable option for you. This is where a friend or relative acts as your guarantor for the loan. You are still responsible for making the repayments on the loan, but if you were to default, your guarantor has accepted to make those payments on your behalf. Guarantor loans are useful for when you have bad credit and can't secure your own loan. Maybe you've defaulted in the past, experienced bankruptcy or have no credit score.

Your Credit Status

Your credit score is a rating system which reflects how well you have managed the repayment of loans and other forms of credit over the last six years.

If you have always repaid your loans, credit cards and other debts on time, you'll likely have a good credit score. If, however, you have missed payments or defaulted on loans altogether, your credit score will have been adversely affected.

Typically, the higher your credit score, the better your chances of having your application for van finance approved. Even if your credit score is poor, or if you've been refused elsewhere, CarFinance2u may still be able to help you and we've already helped thousands like you. We have a wide range of lenders, some of whom specialise in helping people with poor credit to secure van finance. So don't delay, apply for van finance today, with CarFinance2u.

Even if you've been refused for finance elsewhere, the good news is we have lenders who specialise in helping people just like you. So if you have a poor credit history or a CCJ, it's still worth applying for van finance with CarFinance2u. Simply use our online application form towards the top of the page to apply.

Interest Rates & Repaying the Loan

Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances, with a representative APR of 19.9%.

Our van loans can be repaid over a period of between 1 and 5 years. Apply today to find out what van loan we can offer you. It's simple, fast and you'll typically receive a decision within minutes.

Apply for Van Finance now

Use our simple online application form.

Apply now