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
Apply for van finance from the UK's number one motor finance provider, as voted for by consumers on Review Centre!
Apply nowRepresentative 29.9% APR
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Buying a van on finance
For many, the upfront cost of buying a van outright can be quite daunting (and unaffordable), but what other options are there? Hire Purchase van finance - offering an accessible and manageable way to get behind the wheel without breaking the bank.
Common misconceptions about van finance
You might think...
- you're limited on what van you can choose. But, we can provide finance on a variety of makes and models;
- the approval process is complicated. In reality, all you need to do is fill out our simple online application form;
- your credit score will be negatively impacted. The truth is, taking out credit can have a positive impact as long as you keep up with your repayments.
The application process
Our van finance application process is as simple as one, two, three!
Complete an online application form and get a decision on your approval within minutes.
If you're automatically accepted for van finance, you'll be able to finalise your application online.
If your finance application is referred, we'll get in contact with you via email or SMS to arrange a time for one of our Underwriters to call you and discuss your application.
Self-employed van finance
Self-employed van finance
Whether you're a courier, builder, mobile hairdresser, or just need a van to get you from A to B – we can help!
Start your application now!
Getting approved for van finance is quick and easy - apply, sign, and drive away!
No upfront cost
When buying a van through Hire Purchase, a deposit isn’t always needed (depending on a customer's credit limit and the cost of the vehicle). This means saving can be held onto or put towards other expenses, i.e. tax and insurance.
Stress-free budgeting
With fixed monthly (or weekly) repayments, customers can budget their income easily because they know exactly how much they owe each month – and there’s no balloon payment due at the end of their agreement, so that's one less thing to budget for.
Variety of choice
Van finance opens the door to a wide range of vehicles that might have otherwise been out of reach. Whether a customer is looking at a practical pickup or a fuel economic 4x4, our van finance options can be adapted to suit their budget and preferences.
Why choose First Response Finance?
When it comes to van finance, there's no one-size-fits-all answer. Your financial situation, driving habits, and future plans play a crucial role in determining the best fit. Here at First Response Finance, we aim to have a conversation with our customers, so we can get to know you and tailor our van finance product to fit your needs.
Hire Purchase pros and cons
Unsure if a Hire Purchase agreement would be suitable for you? Check out some of the pros and cons!
- 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's been 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
- The van's 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
We're here to help you understand van finance...
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Vans available on finance
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)
Whilst our criteria helps us to lend responsibly, we're flexible on things such as 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 of time, i.e. 48 months, or make larger instalments and pay your finance agreement off in as little as 18 months.
Self-employed van finance
If you're self-employed and want to buy a van for work using affordable monthly payments, we can help!
Bad credit van finance
We can provide poor credit van loans to people with a thin credit file or bad credit history, and that have been declined by other lenders.
Electric van finance
Getting approved for electric van finance is quick and easy with our simple online application form.
Van finance FAQs
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.