Bad credit van finance

Van loans bad credit
Bad credit accepted
No fees
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No impact on your credit
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5 Years
48 monthly payments of

£ 245

Representative example - Borrowing £5,500 over 4 years with a representative APR of 19.8%, and a deposit of £0, the amount payable would be £162 per month, with a total cost of credit of £2,282 and a total amount payable of £7,782.

Why choose us as your van finance broker?

Our van finance service is second-to-none and we offer flexible van loan options to almost anybody (see below). We offer loans that range between £2,000 and £25,000 for vans with a mileage up to 120,000 and under 15 years old. Our van finance options can span anywhere from 18 to 60 months, whatever best suits you. We also perform HPI checks on all the vans we finance to ensure the vehicle belongs to you after you’ve fully repaid your loan.

We are pleased to be able to help people afford all types of vans, including the popular Ford Transit, as well as Renault Trafic, Citroen Berlingo, Mercedes Sprinter, Vauxhall Vivaro and VW Transporter. Receiving van finance with us enables you to buy a van from any reputable dealer in the UK, and thanks to our incredibly fast service, this can happen on the very same day that you apply. We also offer no-deposit van finance under certain circumstances, so be sure to check out our dedicated no-deposit finance page for more information.

Apply with us now and browse our range of finance options, including Contract Hire, Finance Lease, Contract Purchase, and Personal Loans.

Who do we help secure van finance?

Self-employed individuals:

If you are self-employed, our specialists can help you secure a van loan today. Here at Car Finance Plus, we understand the difficulties that come with being self-employed and applying for loans. We have direct access to a wide range of lenders who specialise in providing cheap van finance to self-employed individuals. For more detailed information, visit our self-employed car finance page.

Individuals who have been refused elsewhere:

We believe that being refused van finance in the past should not mean you can never receive van finance, but we understand that being refused just once can make it even harder to be accepted in the future. Here at, we specialise in helping those who have struggled to get van credit in the past. We also protect your credit score by utilising soft credit searches to assess the likelihood of you being accepted prior to making a more formal application.

Individuals with bad credit:

There are a number of reasons why a person may have bad credit. A missed repayment or poor money management can negatively affect your credit score and make it more difficult to receive loans going forward. We specialise in securing bad credit van finance for people in this very situation.

You may have declared bankruptcy in your past, defaulted on repayments, or even had a CCJ issued against you. Nevertheless, our panel of lenders understands that a bad credit score isn’t the whole story.

If you do have a poor credit score, there are a number of things you can do to improve it, and we recommend doing so. For example, registering on the electoral roll and cancelling outstanding credit cards can help improve your credit rating. We also advise that you refrain from making several finance applications in a short space of time.

Can we offer guaranteed van finance?

In short, no. We are regulated by the Financial Conduct Authority (FCA), and as such we are not able to make such guarantees. What we can offer you is the best possible chance of securing van finance, regardless of your financial situation.


Representative example: With a loan of £6,000 over 48 months with a representative APR of 5.9% and deposit of £0, your monthly payments would be £140 per month, with a total cost of credit of £720 and a total amount payable of £6,720.

Van finance frequently asked questions

  • Ford Transit, Mercedes Sprinter, Vauxhall Vivaro are the most often financed vans in the UK. We aim to make purchasing a van as affordable as possible. With us, you can buy any van model from any dealer.

  • With total loan of £6,000 over 48 months term and 0% deposit, your monthly payments would be £140 per month with total payable of £6,720. Use our calculator to easily work out what is affordable for you.

  • Yes you can. We can help you with a range of finance options, even if you have a poor credit history.

  • Simply start your van loan application now. It only takes 2 minutes and you could have your loan approved and paid out today.

  • We have lenders on our panel that can help self-employed customers to buy a new or used van. We will need to see your proof of income including your last 3 months' of bank statements.

  • You can borrow anything from £2,000 to £25,000 for your van. You can buy any van from any dealer nationwide. Apply for a quote

  • We offer Contract Hire, Finance Lease, Contract Purchase and Personal Loan van finance options. Apply now for a no obligation quote.

  • Yes. For those with bad credit van loans can be impossible to find, but at, we specialise in helping customers with bad credit obtain finance.

  • Yes, we offer 0% deposit deals on all credit facilities. Simply apply online now to see how much you can borrow with no deposit or part exchange required.

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