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Our offices will be closed this Friday (20.09.2024) for our annual company conference.&nbsp; We’ll be back open from 10am on Saturday (21.09.2024) to support you with all things car, van, and motorbike-finance related!

Van Finance | Van Loans & Hire Purchase | First Response Finance

Van finance

Get a quote for van finance

Start your journey - get a quote in minutes

Contact us

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:
<ol>
<li>You put down a deposit and borrow the rest of the money from us through a finance agreement. </li>
<li>To pay off your van finance, you make fixed payments - weekly or monthly - over a pre-agreed period. </li>
<li>These instalments include interest, so by the end of the agreement, you will have paid back more than you borrowed. </li>
<li>Once your van finance has been fully paid off, you legally own the vehicle. </li>
</ol>
Just so you know... you may not be required to pay a deposit, depending on your credit limit and the value of the van.

Buying a van on finance: How does it work?

Try our van finance calculator

The myth

Craig's response

Common misconceptions about van finance

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.&nbsp;

No upfront cost

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.

Stress-free budgeting

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.

Variety of choice

Fill out our online <a href="/get-a-quote/" title="quote form">quote form</a> to get an instant decision on your eligibility and see how much your monthly repayments would be.

If you're happy with your quote, all you need to do is choose a repayment option and then we’ll send you a text message and/or email with the next steps.
Just so you know... the terms given in your quote are just examples and can be changed. You’ll just need to <a href="/retrieve-quote/" title="proceed your quote">proceed your quote</a>&nbsp;first.

Choose your repayments

Once you've chosen the van you want, we'll send you the legal documentation for the proposed finance agreement. Please take some time to read through it, so you understand and are happy with what you're signing.
If you're happy to proceed, you can go ahead and sign the paperwork.
Just so you know... before we send over the legal documentation, you'll need to send over proof of driving licence and income, i.e. bank statements and/or payslips.
We'll pay the dealership directly (funds are usually transferred within 15 minutes*) and then you can&nbsp;drive away in your new van!
*97% of the time

Sign and drive away

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.

Explore your payment options

Fixed Criteria

Flexible Criteria

Our criteria for taking out finance on a van

<h2>How much does it cost to finance a van?</h2>

Explore your options with a quick, free quote - tailored to your budget.

See how affordable van finance could be!

Unsure if a Hire Purchase is going to be your best option? We can help you weigh up both sides of the argument:

Hire Purchase pros and cons

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: 
<ul>
<li>More than 200,000 of our customers have been approved for finance</li>
<li>98% of our customers would recommend us to a loved one</li>
<li>We've been voted the UK's No.1 motor finance lender on <a rel="noopener" href="https://www.reviewcentre.com/reviews119744.html" target="_blank" title="Review Centre">Review Centre</a></li>
<li>For four years in a row, we've been named <a href="/insights-and-tips/first-response-finance-wins-best-car-finance-provider-at-consumer-credit-awards-2024/" title="Best Car Finance Provider">Best Car Finance Provider</a> at the Consumer Credit Awards</li>
<li>We've earned <a href="/insights-and-tips/first-response-finance-wins-feefo-platinum-trusted-service-award-for-the-fifth-time/" title="Feefo's Platinum Trusted Service Award">Feefo's Platinum Trusted Service Award</a> five times in the last six years</li>
</ul>

Why choose First Response Finance?

We're here to help you understand van finance...

If you run your own business, van finance can offer the option of affordable monthly payments.

Self-employed 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.

Bad credit van finance

Our electric van finance is simple, flexible, and tailored to you. Ready to go green?

Electric van finance

Van finance FAQs

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. 

Apply for van finance 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 <a rel="noopener" href="https://www.citizensadvice.org.uk/debt-and-money/" target="_blank" title="Citizens Advice">Citizens Advice</a> and <a rel="noopener" href="https://www.moneyhelper.org.uk/en?source=mas" target="_blank" title="MoneyHelper" data-anchor="?source=mas">MoneyHelper</a>.

Explore affordable van finance options at First Response Finance. With a fast personalised quote, we can help you find your next vehicle.

First Response Finance

Here at First Response Finance, we understand that finding van finance can be difficult; whether you need a van for personal or business use – our vehicle finance application process is straight-forward and can be done online!

Van Finance

First response Finance is the ever best company I have found. When most of the other companies declined or delayed my application, First Response Finance came to help me and I got Financed my car from them in a very short time.

Van Finance Product Schema