Van Finance Deals
The dealership shows you one offer. We compare 60+ lenders — so you can see what else was available.
- Whole-of-market — 60+ lenders searched
- All credit histories considered
- Decisions in as little as 24 hours
Whole-of-market — 60+ lenders searched, including
Forecourt finance is convenient because it is already sitting on the desk when you agree the van. Convenient is not the same as competitive. We compare van finance across a panel of more than 60 UK lenders, so the funding is arranged on its merits rather than on whoever the dealer happens to have an arrangement with.
What you can fund
Whole of market
60+ UK lenders compared, not one dealer panel.
One application
No repeat credit footprints from shopping around.
New & used
Forecourt, private sale and auction purchases.
Business or personal
Limited company, sole trader or private buyer.
All credit histories
Adverse credit considered on the specifics.
Fast decisions
Indicative decisions in as little as 24 hours.
How to compare van finance properly
A useful van finance comparison is not just a list of monthly payments. Two agreements at the same monthly cost can differ hugely on total repayable, deposit, balloon payment and what happens at the end of the term. Look at the whole shape of the agreement, not the headline figure.
What makes van finance cheap, and what only looks cheap
Cheap van finance usually means one of three things: a genuinely lower rate because the risk is lower, a longer term that reduces the monthly figure while increasing the total, or a large balloon payment deferred to the end. Only the first is actually cheaper. The other two move the cost rather than remove it.
This is why the cheapest-looking deal on a forecourt is often not the cheapest deal available to you. Ask what the total amount repayable is, and compare that number.
Why forecourt finance is rarely the whole market
When you buy from a dealer, the finance comes from whoever the dealer has an arrangement with — one lender, or a small panel. It is almost never the whole market, and the dealership has no obligation to tell you what else existed.
You are also negotiating two things at once, the price of the van and the cost of the money, with the same person, at the point where you have already decided you want the vehicle. Agree the vehicle price on its merits and arrange the funding separately, and you negotiate from a stronger position on both.
Commercial van finance for businesses
Commercial van finance is assessed on the business rather than on you personally. For a limited company that usually opens up better terms than a personal agreement, and it keeps the vehicle where it belongs in your accounts.
Where the best van finance deals actually come from
The best van finance deals in the UK rarely sit in one place. They move between lenders depending on appetite, the asset and the profile of the applicant. A lender competitive on a new panel van this month may be uncompetitive on a used tipper next month. That is the argument for a broker over a single forecourt.
One more practical point: comparing by applying to several lenders yourself leaves a credit footprint each time. We look once and approach the lenders whose policy actually fits.
See also: van finance generally, or used van finance if you are buying second-hand.
How it works
Tell us what you need
One quick conversation about the asset and how the repayments need to work.
We search 60+ lenders
As an independent broker we find the right structure and rate — not one lender’s products.
You get funded
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Estimate your repayments
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
Frequently asked questions
How do I compare van finance deals?
What makes van finance cheap?
Is dealer finance more expensive?
Can I get a better deal by applying to several lenders myself?
Do you charge for comparing van finance?
Do you cover my area?
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.