Just so you know... we don't finance VAT; it must be paid up front with your deposit or part exchange (if applicable). For example, if you wanted to buy a van that was priced at £5,000 including VAT, we would only finance £4,000, which means that you'd need to pay £1,000 to cover the VAT.
Van finance
- Hire purchase van loans of £2,000 - £15,000
- Option to repay over 18 - 61 months
- Immediate decision on your approval
- Award-winning van finance company, recommended by 98% of customers
Representative 30.9% APR
Average Customer Rating
4.9/5
Independent Service Rating Based on 2,393 verified reviews.
Buying a van on finance: How does it work?
For many, the upfront cost of buying a van outright can be quite daunting - and unaffordable. But what other options are there? We can offer you Hire Purchase van finance - an accessible and manageable way to get behind the wheel without breaking the bank. Here's how it works:
- You put down a deposit and borrow the rest of the money from us through a finance agreement.
- To pay off your van finance, you make fixed payments - weekly or monthly - over a pre-agreed period.
- These instalments include interest, so by the end of the agreement, you will have paid back more than you borrowed.
- Once your van finance has been fully paid off, you legally own the vehicle.
Just so you know... you may not be required to pay a deposit, depending on your credit limit and the value of the van.
We've partnered with Experian
We use Experian, one of the UK's top credit reference agencies, to run our credit checks. This helps us to understand your credit history, which is one of several factors we take into consideration when making a decision on your approval for vehicle finance.
Common misconceptions about van finance
There are lots of misunderstandings out there when it comes to vehicle finance. We spoke to Craig W, Head of Underwriting at First Response Finance, to set things straight:
The myth
- You're limited on what van you can choose.
- The approval process is complicated.
- Your credit score will be negatively impacted.
- You can't get finance if you've got bad credit.
Craig's response
- "We can provide finance on a wide variety of makes and models."
- "All you need to do is fill out our simple online application form."
- "Taking out credit can actually have a positive impact, as long as you keep up with your repayments."
- "Not true! We'll always try our best to help you, but we won't provide finance if we think it'll put you into more financial difficulty."
No upfront cost
When buying a van through Hire Purchase, a deposit isn't always needed (depending on your credit limit and the cost of the vehicle). This means you can hold onto your savings or put them towards other expenses such as, tax and insurance.
Stress-free budgeting
With fixed monthly (or weekly) repayments, you can budget your income easily because you know exactly how much you owe each month. And there’s no balloon payment due at the end of your agreement, so that's one less thing to worry about.
Variety of choice
Van finance opens the door to a wide range of vehicles that might otherwise been out of reach. Whether you're looking at a practical pickup or a fuel-efficient 4x4, our van finance options can be adapted to suit your budget and preferences.
The application process for getting a van on finance
Apply for van finance is as simple as one, two, three!
Fill out our online quote form to get an instant decision on your eligibility and see how much your monthly repayments would be.
Our criteria for taking out finance on a van
Whether you're looking to buy a short or long-wheelbase van, we can provide finance on a variety of brands such as Ford, Vauxhall, and Renault. For more information, check out our fixed and flexible van finance criteria:
Fixed Criteria
- Aged 21+
- UK resident
- Petrol maximum mileage: 120,000
- Diesel maximum mileage: 160,000
Flexible Criteria
- 18 - 61 month terms
- No deposit required
- £2,000 - £15,000 lend
- Minimum one year self-employed (if applicable)
These criteria help us lend responsibly. But we always try to be flexible on things like the age of the van and the term of the agreement. For example, you can choose to pay your van finance loan over a long period, such as, 61 months, or make larger instalments and settle your loan in as little as 18 months.
How much does it cost to finance a van?
How much does it cost to finance a van?
The exact answer will depend on the value of the vehicle, the size of your deposit, and your agreed repayment term. By using our simple calculator tool, you'll get an idea of the total cost of your agreement. And you can do so without any obligation to go any further.
See how affordable van finance could be!
Explore your options with a quick, free quote - tailored to your budget.
We're FCA authorised
We’re authorised and regulated by the Financial Conduct Authority (FCA).
We're committed to treating customers fairly and giving clear, honest information so you can trust us to put your best interests first every step of the way!
Hire Purchase pros and cons
Unsure if a Hire Purchase is going to be your best option? We can help you weigh up both sides of the argument:
- Fixed interest rate
- Simple to arrange
- No deposit required
- Flexible terms (18 - 61 months)
- No annual mileage restrictions
- Fixed monthly (or weekly) repayments
- You own the van once the final payment is made
- Customers are protected under the Consumer Rights Act (2015)
- Finance is subject to status
- You don't own the van until the final payment's been made
- You're charged interest, which means you pay back more than you borrowed initially
- The van is at risk of repossession if you don't keep up with repayments
- Not suitable if you plan on paying off your finance agreement within six months
Why choose First Response Finance?
We know your situation and needs are unique. That's why we'll always have a conversation with you. We want to get to know you and tailor our van finance product to suit you. And it's an approach that works, as evidenced by the below:
- More than 200,000 of our customers have been approved for finance
- 98% of our customers would recommend us to a loved one
- We've been voted the UK's No.1 motor finance lender on Review Centre
- For four years in a row, we've been named Best Car Finance Provider at the Consumer Credit Awards
- We've earned Feefo's Platinum Trusted Service Award five times in the last six years
Self-employed van finance
If you run your own business, van finance can offer the option of affordable monthly payments.
Bad credit van finance
We can provide poor credit van loans if you have a thin credit file, a bad credit history, or have been declined by other lenders.
Electric van finance
Our electric van finance is simple, flexible, and tailored to you. Ready to go green?
We're SAF Approved
We're SAF Approved by the Finance & Leasing Association (FLA), which means that all of our customer-facing employees have passed the Specialist Automotive Finance (SAF) Expert test. This ensures our team members have all the relevant knowledge to advise you on available finance products and help find the right one for you!
Van finance FAQs
Apply for van finance today
We're a van finance company you can trust, and we've got the customer reviews and awards to prove it. Our application process is free, quick and simple, so get started today.
This page was last reviewed in February 2025.
First Response Finance is a responsible vehicle finance lender, and all decisions are made in the best interests of the customer; based on credit scores, status, and income at the time of application. We'll never approve an application if we believe you might struggle with repayments.
Get independent advice on money, finance products, debt management, and budgeting through Citizens Advice and MoneyHelper.