Used Van Finance
Get the best deal on the second-hand van market with our tailored used van finance solutions.
Need a van but can’t stretch to a brand-new model? Limited credit history holding you back? Used vehicles are becoming an increasingly popular choice, offering independence, mobility, and a top-notch driving experience—all without the hefty price tag.
At We Finance Any Van, we believe that everyone should be able to buy a van without compromising financial stability. Our goal is to empower drivers from all walks of life with accessible and flexible van finance options.
Whether you’re in the market for a panel van, dropside, or any other type, there are thousands of quality used vans out there waiting for you. Through our van search portal, you can access some of the most reputable dealers on the market. Refine your search by colour, engine size, gearbox, onboard gadgets, and more.
Whether you’re budget-conscious or looking for a specific van, our flexible finance services give you access to a wide range of makes and models. With affordability and expert support from our industry specialists, you’re sure to find a van that meets your needs.
What You Can Expect from Our Used Van Finance Service:
- Wide range of quality second-hand vans
- FCA-authorised van dealerships
- No deposit required
- Affordable finance deals
- Panel of specialist lenders
- Easy online application
- Support for all financial situations, including poor credit histories
Unlock that new van feeling for a fraction of the price—discover our used van finance solutions today.
Over 100,000 Used and Nearly New Vans
Whether you find a van from a reputable dealer, use our van search portal, or locate one on Auto Trader, we’ve got you covered. You can also tell us your desired make, model, or vehicle type, and we’ll find it for you.
Used van finance - everything you need to know:
So, you’ve decided to purchase a used van. Perhaps you’ve already found the perfect model, but there’s just one problem—you don’t have the funds to pay for it upfront.
Financial barriers can affect anyone, from labourers to new business owners. Managing the cost of your van through a finance agreement allows you to get behind the wheel without draining your savings or sacrificing other financial goals. At We Finance Any Van, we make van ownership affordable and hassle-free.
No matter your personal circumstances, we have a used van finance solution for you. Apply today—an exciting road lies ahead!
What should I do if I can't get used van finance on my own?
After spending time finding a used van that fits your budget and needs, it’s disheartening to get rejected when you apply for finance. It can be frustrating, but there are several possible reasons for being declined – from a history of missed payments to not having enough income. If you’re a young driver or new to credit, having little or no credit history can also be a barrier.
The solution? Consider joint or guarantor van finance.
With a co-signer or guarantor, your application becomes less risky, which increases your chances of being approved. Choosing between the two will depend on your situation. If you share financial responsibility with a partner or family member, a joint finance agreement may be the right option for you.
Alternatively, if you need a van but have faced rejection before, having a guarantor with a strong credit history can help you secure the deal.
How old can the van be for used van finance?
Generally, the van should have fewer than 100,000 miles and be no more than 12 years old by the time the finance term ends. This can vary slightly depending on the lender. For example, if you agree to a 3-year term, the van shouldn’t be older than 9 years at the time of purchase.
There are several reasons for this. First, it ensures that the van will still hold value when the finance agreement ends. If you default on the loan and the van needs to be repossessed due to missed payments, it helps protect the lender’s investment.
Additionally, it reduces the risk of financing a van that could break down and require expensive repairs. It also ensures that you have a reliable vehicle when you become the legal owner.
Is a deposit required for van finance?
While putting down a deposit can improve your chances of approval and lower your monthly payments, we understand that not everyone has the funds to make a large upfront payment.
Fortunately, over 90% of the van finance deals we arrange do not require a deposit. Our no deposit finance option works similarly to other agreements, though it may lead to slightly higher monthly payments or a longer finance term.
Some lenders might ask for the VAT to be paid upfront, but we can assist in finding lenders that offer finance for this, if needed. We can also help you find vans where the VAT is already covered.
Remember, you may need to pay a small fee to reserve the van while your finance agreement is being processed. This fee is separate from the loan and won’t be included in the finance total.
Can I buy a van from any dealer?
There are plenty of second-hand van dealers out there, but not all of them operate fairly! At We Finance Any Van, your safety and protection are our top priorities throughout the buying process. That’s why we only work with lenders who require the dealership to be FCA-registered (Financial Conduct Authority). This ensures that you’re buying from trusted and verified dealers, avoiding any shady practices.
Whether you’re a seasoned buyer or new to the process, purchasing a van is a significant investment. Our team is ready to guide you, ensuring you feel confident with your decision.
Whether you’re a seasoned second-hand buyer or a complete novice, a new van is a huge investment and it’s important to get it right. Our team is on hand to help you feel confident in your purchasing decision.
How can I find out what my monthly payment plan will look like?
Your monthly payments depend on several factors, such as the price of the van, the term of the finance agreement, the interest rate, and your financial circumstances. Knowing what your monthly payment will look like before committing to finance is essential to managing your budget and avoiding financial strain.
Our free finance calculator makes it easy for you to see potential payment plans. Just choose your preferred finance option and enter your budget to get an estimate.
Our free finance calculator is easy-to-use – simply select which finance option you would like and input your budget.
Am I eligible for used van finance?
While each lender may have slightly different criteria, there are some basic requirements to qualify for used van finance:
- You must be at least 18 years old.
- You’ll need to have a steady income to cover the monthly payments.
- A good credit score can increase your chances of approval.
- The type of van you select may also affect your finance options.
If you’re worried about how your credit score might be affected, or if you already have a poor score, we offer a simple, secure process to protect applicants. At We Finance Any Van, our lenders perform a soft credit check first, which doesn’t appear on your credit report or affect future applications.
What if I’m self-employed?
For those running a business, whether it’s large or small, having a reliable vehicle is essential. You’ll likely need something practical, sturdy, and cost-effective. The second-hand market offers plenty of affordable options, making it an ideal choice. However, securing van finance when self-employed can come with additional hurdles.
To gain lender approval, you’ll need to provide proof of a stable income, which can sometimes be more complicated if you’re self-employed.
Thankfully, with our network of specialist lenders and a team dedicated to helping you, we’ll do everything we can to make sure you get the van you need to keep your business moving.
What happens if I miss a payment on my finance deal?
Missing a payment on your van finance deal can lead to serious consequences, so it’s important to review your budget carefully before committing. If you’re unsure about which finance option is best or need help managing your finances, our team is just a call away.
The specific terms will vary by lender, but most agreements clearly outline the penalties for late or missed payments. Common consequences include extra fees, and in the worst-case scenario, repossession of the van. Failing to meet your repayment obligations will also hurt your credit score, making it harder to secure loans in the future, especially if your credit history is already weak.
If you’re worried about missing a payment, it’s always a good idea to contact your lender. Many lenders offer solutions such as revised payment plans or support during short-term financial difficulties.
How does used van finance work?
For many, used van finance is an ideal solution. It offers a convenient and affordable way to purchase a van, enabling you to spread out the cost as opposed to paying for it outright. Plus, when you opt for used van finance, you may be able to buy a higher-quality model without breaking the bank.
So, how does it all work?
At We Finance Any Van, we’ve made the process as simple as possible. Just like with any van finance, your application will be reviewed and, if successful, you will be offered a credit agreement. This is essentially a contract between you and the lender, outlining the borrowed amount, interest rate, repayment schedule, and any other terms and conditions. You will then be required to make set payments throughout the length of your finance agreement.
How does used van finance work?
Manageable payments: Our team works hard to tailor the finance deal to your budget so you can comfortably afford the monthly payments.
Comprehensive support: Buying a van can feel overwhelming, but our experts guide you through the process, from choosing the right van to securing the best price.
Full ownership: Unlike leasing, used van finance allows you to own the van once the loan term ends, giving you complete freedom over the vehicle.
Financial flexibility: With fixed monthly payments, you can protect your savings and still afford the van you need without putting a strain on your finances.
A wide selection: Our flexible finance options allow you to choose from a broader range of vans, including more expensive models that might otherwise be out of reach.
Still have questions? Call us at 01277 80 80 80 or send a message, and we’ll get back to you as soon as possible.
What types of van finance are available?
There are various van finance options available, and choosing the right one depends on factors like your credit history, income, and personal preferences. If you’re feeling confused by the choices, don’t worry—our expert team is here to guide you through the process to ensure you secure the best deal for your situation.
Here are some common van finance options:
Hire Purchase (HP): Ideal for those who want to own the van at the end of the contract. You’ll make monthly payments, and once the total amount is repaid, you become the legal owner of the van.
Personal Contract Purchase (PCP): This option gives you the flexibility to keep or return the van at the end of the contract. The monthly payments cover the van’s depreciation, and if you choose to keep the van, a final balloon payment will be required to cover the remaining balance.
Bad Credit Van Finance: For those with poor or limited credit histories, securing finance can be challenging. However, our bad credit van finance option works with specialist lenders to help you get the van you need, no matter your financial background.
Ready to find your next van? Apply now and take the first step towards securing the perfect vehicle for your needs!
Try our free finance calculator today!
In the market for a used van? You’re in the right place!
There are plenty of reasons why buying a used van makes sense. Maybe you urgently need a vehicle but don’t have the budget for a new one, or perhaps you’ve just launched a business and need something affordable. You might even have your eye on a specific make, but the latest model is just too expensive.
Whether you’re looking for something roomy and practical or sleek and sporty, the second-hand market has a variety of great options. Plus, if you’re considering a move to a greener lifestyle, buying a used hybrid or electric van could be an eco-friendly and cost-effective way to reduce emissions.
Worries about the condition or reliability of a pre-owned vehicle often deter buyers, but we’re here to clear things up. Yes, a used van might show some signs of wear, but with the right research, you can find one that’s reliable and will serve you well for years to come.
To ensure peace of mind, it’s always good to come prepared with questions about the van’s maintenance history.
Whether you’ve already spotted the van you want or are unsure where to start, we’re here to help.
How do I choose the right used van for me?
We know that picking a van—especially on the second-hand market—can feel overwhelming. To make things easier, our team has compiled a straightforward checklist:
What is your budget?
Budget is a major factor in determining your choice. Be realistic—if your funds are limited, avoid high-end models. Don’t forget to factor in running costs and maintenance expenses when calculating your budget.
What are your priorities?
Make a list of what you need in a van. For example, if you need lots of space for tools and materials, a larger van is essential. Or, if you’re a tech enthusiast looking for a stylish design, you might want something that stands out.
How will you use the van?
The purpose of the van plays a big role in your decision. Are you using it for work or commuting? Maybe it’ll be your companion on road trips or outdoor adventures. If you need to transport heavy items, you’ll need a van designed for larger loads.
Is fuel type an important factor?
The fuel type affects fuel efficiency, maintenance costs, and performance. Diesel engines are often more fuel-efficient than petrol, but they can be more costly to maintain. Most vans on the market are diesel-powered.
Hybrid vans, though rare, combine petrol and electric power to reduce emissions and improve fuel economy. Electric vans, on the other hand, produce zero emissions and run solely on electricity.
I’m struggling to find a used van – can you help?
Our platform offers a wide selection of used vans from top brands like Ford, Iveco, and Mercedes, so you’re bound to find a great deal.
When you work with We Finance Any Van, you’ll have the support of our friendly and knowledgeable account managers, who have access to over 100,000 used vans. Whether you choose to browse online or give us a call, we’ll assist you in finding the perfect van. Once you’ve made your decision, you can either collect your van or have it delivered to your door.
Reviews
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.
Arrange a call back
Opening Hours
Mon to Fri: 08:00 – 19:00
Saturday: 09:00 – 16:00
Sunday: 10:00 – 16:00