What is no credit check van finance?

To put it plainly, no credit check van finance is a type of financing option that doesn’t require a review of your credit report to be approved. With this step skipped over, all that’s left to do is verify a few personal details and you’re driving your new van home. Right? Wrong! No credit check van finance is often viewed as the answer to getting approved for a deal quickly and without any hassle. Far from it. Although securing van finance without a credit check may be more appealing, it’s not recommended and can cause all kinds of issues further down the line. The solution? Our soft credit check service. We offer a less invasive approach to the screening process while still providing lenders with the information they need. Plus, you are able to submit an application as many times as you want, without negatively impacting your credit score.

Why are credit checks important?

Any responsible lender will include checks in their process to assess your creditworthiness. In other words, they need a little extra information to make an informed decision about whether you will be able to keep on top of your loan. If you have been rejected by traditional lenders, either due to a limited or poor credit history, credit checks can be especially daunting. However, by providing an overview of your finances, including any outstanding debts, the lender will be able to offer loan terms and interest rates that are manageable. Without determining your eligibility, we can’t help you find a deal that is best suited to your situation. It’s that simple!

What types of van finance can be applied for with a soft credit check?

At We Finance Any Van, we offer a selection of main and specialist finance options, all of which can be applied for using a soft credit check. HP van finance is the most common type of van finance, in which you pay a fixed amount each month. This is ideal for those who have a stable income with a good credit score, or if you want to own the van outright once the agreement has ended. Alternatively, PCP van finance offers a more flexible solution and gives you the option to upgrade your van at the end of the agreement. We even offer solutions for applicants with a poor credit rating. The best deal for you will vary depending on your specific situation – a dedicated Account Manager will be able to advise you on a finance plan that is achievable. If you are in need of a van but have a tight budget, our used van finance may be the option for you. Whether you’re in love with a particular model but don’t quite have the funds to purchase it brand new or are just looking for something that can get you from A to B, a used van can be an affordable way to get on the road. Even better, the vast majority of finance agreements won’t require a deposit, so you can spread the cost over a set period of time. Haven’t been able to find a vehicle that ticks all your boxes? With our van feed, we have an exciting selection of makes and models to explore.

What is the difference between a soft credit check and a hard credit check?

A soft search happens during the early part of the application process and will give lenders an idea of your current income, employment status, and existing credit. Although it won’t be as thorough as a hard credit check, it allows lenders to make an initial assessment of you as an applicant and whether you are likely to be approved for van finance. A hard credit check enables lenders to access agency records of your credit report and is usually completed to provide a more in-depth analysis of your profile. This can include your credit history and accounts, as well as any late or missed payments. Many people are shocked to discover that, with a hard check, applying for multiple loans in a short space of time can leave a footprint and give the impression of being in a desperate financial situation. This can actually limit your ability to be approved for finance in the future. Our ‘soft search first’ approach is changing the game. With this adjustment to the application process, we are removing the barriers of van finance and making van ownership an achievable dream for all.

What information is on your credit report?

Your credit report gives a detailed picture of your credit history and finances. It shows lenders how you pay your bills and whether you are able to meet deadlines. The following information will be reviewed: Personal details, including your name, date of birth, address, past and current employers Credit accounts, with a view of any credit cards, mortgages, and defaults (if you’ve failed to repay any debt) Any credit inquiries (essentially any applications for credit, such as purchasing a house or starting up a business) Any public records, such as bankruptcies or judgements Credit score (a low score can be an indication of financial difficulty or a shorter credit history) The percentage of available credit you are using (a high credit utilisation can negatively impact your score) If you have a good credit history, and a proven record of making timely payments, it shows you are in a stable financial situation and are more likely to be accepted for van finance. On the other hand, if you have a poor credit history, perhaps with some missed payments or outstanding debt, you may be viewed as a higher-risk applicant. We firmly believe that everyone deserves the chance to purchase a van and offer end-to-end support for van finance applications, regardless of personal circumstances.

Can I get van finance with a bad credit rating?

Yes! Although you may have to overcome a few more hurdles, it is still possible to get van finance with a bad credit rating. At We Finance Any Van, our panel of lenders work with a wide range of applicants, from those who are financially stable to those struggling with poor credit. We are an open-minded bunch and there really is a solution for every scenario. There are many factors that can affect your credit rating, including late or missed payments. In more extreme cases, you may be taking part in an Individual Voluntary Agreement (IVA) to help manage your debts or you could have a County Court Judgement (CCJ) on your credit file. That’s why we provide a flexible van finance service that is centred around the needs of our customers, finding you the best deal for your budget.

Being held back by a limited or no credit history?

We can help! Your credit report enables lenders to determine whether you are committed to repaying your debts. That’s all well and good if you’ve had the chance to build up a solid credit history, but what happens if you’re a young driver or first-time buyer? Having a limited or no credit history can make it difficult to get approved for van finance, or you might get rejected altogether. Unfortunately, this is a story we see all too often. The good news? There are still options available! Using a guarantor with a strong credit rating can be one way to increase your chances of approval. This is someone, usually a friend or family member, who agrees to take responsibility for your van loan if you can longer make the monthly repayments. In the eyes of lenders, this can reduce any risk and improve your creditworthiness. Ready to kickstart your journey with We Finance Any Van? Apply now.

Motorhome Finance

Want to get your new camper without breaking the bank?

At We Finance Any Van we’ve got an extensive panel of lenders which can help you purchase your new motorhome. We understand that credit searches can be daunting which is why we’ve partnered with motorhome lenders which provide an approval from a soft search. This way you’ll be able to see if you can get your new vehicle without impacting your credit score.

The lenders which we have partnered with will cover all elements of the market, giving you the best opportunity to get your new wheels ready for your next adventure. Whether you’re looking at a smaller converted courier van or a larger winnebago type vehicle, we’ve got you covered. Most lenders will do these vehicles over an extended term vs a traditional car or van finance agreement meaning we can tailor the finance to your exact needs and budget.

Regardless of what you’re looking for, you can have complete peace of mind with our safe and sensitive application process.

Once you apply for van finance with us, our lenders will need to double-check that you fit the criteria. Soft search is a finance tool that gives lenders an initial look at your credit report, without leaving a mark or lowering your score.

Great for applicants from all backgrounds but even better for those facing financial difficulties. Simply fill out our 2-minute online application form and, if successful, we’ll help you find a finance deal that meets your needs.

What you can expect:

No impact on your credit score
Panel of specialist lenders
We make the deal work for you
Quick and easy process
All applications considered

Take advantage of our soft search service today!

Can I get a motorhome on finance?

To put it simply – yes!

We have an extensive panel of lenders who can get your new motorhome financed. We cater all ends of the market; from small courier conversions to full sized RVs.

How old a motorhome can I finance?

At We Finance Any Car we can finance motorhomes anywhere from brand new to up to 10 years old when the agreement starts

Is there a maximum mileage to finance a motorhome?

Whilst there isn’t a mileage limit set in stone, we typically see motorhomes financed up to 70,000 miles at the point of sale

How long can I finance a motorhome over?

Unlike a car or van finance agreement, motorhomes can be done over a much longer period. We have lenders which will do the finance term over 10 years which means the monthly payments are more manageable.

We can do the finance agreement for any amount of time between 12 and 120 months . This gives you, the consumer, the greatest choice and also the flexibility you need.

Can I get a motorhome on finance with a bad credit rating?

Yes! Although you may have to go through some additional checks, it is still possible to get a motorhome on finance with a bad credit rating. At We Finance Any Van, our panel of lenders work with a wide range of applicants and ensure we get them the best deal they can.

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About Us

If you are looking for van finance, you are in the right place!

We have years of experience in van finance, a very extensive lending panel & a team set up to get you the van you want at the best finance rate possible. If you have already found a van and just need the finance – great! If you need help finding a van then we are there for you as well – in fact, we have access to over 100,000 vans.

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Saturday: 09:00 – 16:00
Sunday: 10:00 – 16:00