Guaranteed Van Finance
Is there such a thing as guaranteed van finance? Well, not exactly.
At We Finance Any Van, we strive to assist applicants from all backgrounds in purchasing a new van. Our high approval rate, extensive panel of specialist lenders, and open-minded approach set us apart from the rest.
However, we cannot guarantee van finance for everyone. If you’re promised a finance agreement without a credit check, it should raise red flags.
We certainly wouldn’t trust it…
Transparency is paramount for us. While bad credit may make approval a bit more challenging, it’s not impossible. Van finance involves several terms and conditions, including your employment status, credit history, and current income, all of which lenders will consider.
But don’t worry! Our specialist bad credit van finance is tailored to your needs. Whatever challenges you’re facing, we’ll do our utmost to help.
Ready to get back behind the wheel?
What you can expect from us:
- Expert guidance
- Easy application process
- No damage to your credit score
- Experienced bad credit lenders
- Compassionate approach
- Flexible payment plans
Submit an application today and discover a finance solution that fits you.
Looking for guaranteed van finance? Here's why you should choose us instead:
To put it simply, we look beyond bad credit scores. This allows us to offer van finance to applicants who may not be considered ideal candidates elsewhere.
Here’s how we make it possible:
- Network of Specialist Lenders: We work with a variety of lenders who have expertise in different financial situations.
- Initial Soft Credit Check: Our soft credit check ensures your profile remains intact while giving us the information we need.
- Comprehensive Evaluation: We consider multiple factors beyond just your credit score.
- Affordable Solutions: We offer a range of van finance options to fit different budgets.
We understand how disheartening it can be to face rejection, whether it’s your first time or you’ve been turned down before. Don’t let past setbacks stop you from exploring new opportunities.
And then of course there’s the damage that a hard credit check can cause to your credit score.
The option of a guaranteed finance agreement may seem appealing, but it’s just not viable. The checks are there for your protection and, ultimately, the final decision sits with the lender.
So, what’s the solution?
Flexible van finance
At We Finance Any Van, we understand that every financial situation is unique. Whether you’re dealing with low income, missed payments, or self-employment, numerous factors can affect your chance of van finance approval.
We offer a higher level of flexibility to make van finance accessible to as many applicants as possible.
What we can guarantee:
- A Fair Review of Your Application: We consider your individual circumstances and provide a thorough evaluation.
- End-to-End Support: Our team of industry professionals is here to guide you through every step.
- Reputable Lenders: We work with lenders who understand the challenges associated with van finance.
- Deposits are Optional: We offer options where deposits are not required.
- Exceptional and Speedy Service: Experience fast and efficient service from start to finish.
Why we can't guarantee approval for van finance
As responsible van finance credit brokers, we are committed to ensuring that all processes are conducted transparently and fairly. This is essential to protect both you, the applicant, and our panel of lenders.
Offering a finance agreement without any assessment is problematic and can lead to irresponsible lending practices and financial stress. That’s why credit checks, while they may seem daunting, are a crucial part of the process.
The Risk
Finance agreements come with a certain level of risk. Lenders need to evaluate whether you are a reliable candidate by assessing your ability to meet monthly payment deadlines. This helps ensure that you can manage the loan responsibly and avoid potential financial difficulties.
Lenders use specific criteria to assess van finance applications to manage risk effectively. Without these requirements, there would be a substantial risk of offering loans that applicants might not be able to afford, potentially leading to financial strain and defaults.
Although criteria can vary between lenders, common factors include:
- Credit History: Your past borrowing and repayment behavior.
- Credit Score: A numerical representation of your creditworthiness.
- Current Income and Employment: Your ability to make regular payments based on your earnings and job stability.
- Age and Condition of the Vehicle: The vehicle’s age and condition can affect its value and the terms of the finance deal.
- Legal Implications: The Consumer Credit Act ensures transparency and prevents misleading claims about guaranteed finance.
These criteria help ensure that both you and the lender are protected and that you are offered a finance deal that is fair and manageable.
Discover Van finance that you can count on with We Finance Any Van.
What is 100% acceptance van finance?
While this may sound promising, it’s important to recognize that such claims can be misleading. Much like “guaranteed van finance,” this assertion might suggest certainty where there isn’t any. Finance agreements are assessed on a case-by-case basis, and not everyone will meet the criteria. Each application is unique, and lenders will review various factors to determine eligibility and terms.
Can I get van finance without a credit check?
Any legitimate lender will conduct some form of credit check when assessing your application.
The term “no credit check van finance” can be misleading, giving the false impression that your creditworthiness isn’t a key factor. In reality, assessing your financial reliability is crucial.
What sets We Finance Any Van apart is that your success isn’t solely based on your credit score. We offer personalized support to gather a comprehensive picture of your financial situation, considering both past and present factors.
Our team is here to guide you through the process and help you make an informed decision with confidence.
Will applying for bad credit van finance impact my credit profile?
Not with us! Once you’ve submitted your application, our panel of lenders will use a soft inquiry to review your credibility. This provides an initial snapshot of your financial profile without temporarily lowering your credit score.
We offer a more accessible approach to van finance, ensuring that you can explore your options without the risk of damaging your credit.
Can I get van finance without a guarantor?
This will depend on your ability to repay the loan.
Some lenders may offer finance options that don’t require a guarantor, even if you have a less-than-perfect score. However, if you’re having trouble securing an agreement on your own, choosing guarantor van finance can improve your chances. This is particularly beneficial for young drivers and self-employed individuals.
Try our free finance calculator today!
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Saturday: 09:00 – 16:00
Sunday: 10:00 – 16:00