Help & Advice
At We Finance Any Van, we understand that financing or finding the perfect van isn’t always as simple as it should be. That’s why we’re here to make your journey as smooth as possible.
If you have questions and can’t find the answers you need, feel free to call us at 01277 557 557, email us at hello@wefinanceanyvans.com, or use the contact form below.
FAQs
Pre Application Support
What do I need to do?
For detailed information, visit our How It Works page, but in short, you can apply here using our soft search application. We’ll then secure the best rate for you from our extensive lending panel. If you’ve already picked out a van from a reputable dealer, we’ll help you secure it. If you’re still unsure about which van to choose, our team is ready to assist you with a selection from over 100,000 used vans across FCA-registered dealers. Once you’re satisfied with your choice, simply sign the electronic agreement and either have your van delivered or collect it yourself.
What is hire purchase (HP)?
Hire Purchase (HP) is the most common type of van finance, offering a simple and popular option. You make fixed monthly payments over an agreed period, and once the final payment is made, the van is yours. Other benefits include no mileage limits and no large final payment at the end of the term. Learn more here.
What rate of finance will I be offered?
As a broker, We Finance Any Van has access to a wide panel of finance providers. Our job is to find and offer you the best available rate based on your individual circumstances. Learn more here.
To finance any van do I need to have a deposit?
Some lenders on our panel do not require a deposit and allow you to finance the VAT. However, with some lenders, the VAT must be paid upfront. We’ll work with all our lenders to find the best deal for you. Alternatively, we can help you find a van with the VAT already paid, enabling a no-deposit option.
I have bad credit history, can you help me?
Absolutely! Whether your credit rating is bad, poor, fair, good, or excellent, we’re here to find the most suitable finance deal for you. We partner with trusted lenders who specialise in offering credit for all types of credit ratings, including those with bad credit. While approval is subject to status and can’t be guaranteed, we’ll consider all circumstances. Find out more here.
Can I buy a van from any dealership?
In most cases, yes! We conduct thorough background checks on dealerships to ensure they are reputable and trustworthy, protecting both you and the lender. If you have any concerns about a specific dealer, let us know, and we’ll verify them for you.
What documents will I need to supply we finance any van?
After a lender approves your van finance application, you’ll need to provide certain documents, including a copy of your full UK driving licence. We may also request proof of income (recent payslips), address, bank details, and other supporting documents. Don’t worry—your personal Account Manager will guide you through exactly what’s required, as different lenders have different documentation needs.
If I complete an application form will it leave a hard search on my credit file?
No, applying with We Finance Any Van won’t leave a hard search on your credit file. Our lenders use soft search technology to pre-approve customers during the application process. These are known as quotation searches and will only be visible to you. A hard search will only be recorded if you proceed with the finance offered, which could also help improve your credit score if repayments are kept up.
What happens if I've been declined elsewhere?
No need to worry—we’re here to help and won’t judge your credit history. We understand that not everyone has a perfect credit score, which is why we work with a range of lenders offering bad credit van loan options. We’ll do our best to help you secure the financing you need, even if you’ve been declined elsewhere.
Does We Finance Any Van charge any fees?
We do not charge customers any fees for using our service.
As a broker, any fees we incur are covered by the commissions we receive from lenders for arranging your van finance. This means there are no charges for checking a van’s history or arranging finance through us.
How much can I borrow?
The amount you can borrow depends on your income, affordability, and credit score. We consider all applicants, including those with good credit, bad credit, previous refusals, self-employed individuals, and retirees.
Can I part-ex a vehicle?
Yes, you can! While a deposit isn’t required by our panel of lenders, a part-exchange or cash deposit can be beneficial. It can increase your chances of securing a loan, especially if you don’t have a strong credit history, as it reduces the amount you need to borrow.
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Mon to Fri: 08:00 – 19:00
Saturday: 09:00 – 16:00
Sunday: 10:00 – 16:00