Vans on finance for trades, fleets and sole traders — new or used, with repayments matched to your cash flow and all credit histories considered.
Whole-of-market — 60+ lenders searched, including
Van finance lets you put a vehicle to work now and spread the cost across the years it is actually earning. Whether you want to finance a van for the first time or add more vans on finance to a growing fleet, we search a panel of 60+ UK lenders on hire purchase, finance lease or contract hire — so the van earns while you spread the cost.
Small vans to Luton and box bodies, new or used.
Fund the workhorses that keep sites running.
Fridge vans and specialist bodywork covered.
Double-cabs and crew vans for the trades.
From one van to a full fleet, one point of contact.
Release cash from vans you already own.
A lender buys the van and you repay over a fixed term, typically two to five years, with the vehicle as the security. On hire purchase it becomes yours with the final payment; on a lease you use it and hand it back.
You put down a deposit, then make fixed monthly payments over an agreed term, typically two to five years. What happens at the end depends on the agreement you choose. We are a credit broker, not a lender, so we approach the lenders whose criteria actually fit your business rather than defending a single credit policy.
It suits a van you intend to keep and run for years, because you own it at the end and the capital allowances are yours. If you replace vans on a cycle, a lease usually costs less each month and hands the resale risk back to the lender.
Hire purchase is the most common route for businesses buying vans on finance. You pay a deposit and fixed instalments, and once the final payment clears the van is yours. Because a hire purchase van sits on your balance sheet as an asset from day one, it usually suits businesses that keep vehicles long term.
A finance lease funds the depreciation rather than the full value, so monthly payments are lower and the VAT is normally spread across the rentals instead of paid up front. Contract hire hands the disposal risk back to the lender for a fixed monthly cost. Both suit businesses replacing vans on a cycle.
The lender assesses affordability, your trading history and the vehicle itself. Getting a van on finance is usually quicker than people expect once the right lender is approached first — rather than applying to several and leaving a credit footprint each time.
Indicative decisions come back in as little as twenty-four hours from a panel of more than sixty lenders, and we manage it through to payout. Sole traders and new businesses are funded as well as limited companies.
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. We finance vans for limited companies, sole traders, new starts and applicants with adverse credit.
One quick conversation about the asset and how the repayments need to work.
As an independent broker we find the right structure and rate — not one lender’s products.
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Across the options below, UK dealers advertise work vans from £4,995 to £26,895 (checked 28 October 2026).
Choose the body for the load and the job. Check usable payload on the complete vehicle, including its fitted equipment.
| Option | When to consider it | Asking prices seen | Cost considerations | Check before buying |
|---|---|---|---|---|
| Panel van | Tools, parts and goods needing an enclosed load area. | No sourced examples | Allow for racking, security equipment and any required internal lining. | Measure load length, height, access and payload against what you actually carry. |
| Luton with tail lift | Bulky deliveries where a box body and loading assistance are useful. | £10,000–£26,895 7 examples, see luton van prices | Include the body and tail lift in the quotation; their weight affects usable payload. | Check internal dimensions, tail-lift capacity and complete-vehicle payload. |
| Tipper or dropside | Work involving loose material or loads needing open-body access. | £4,995–£24,000 20 examples, see tipper van prices, dropside van prices | Compare the complete body specification and any cage or other fitted equipment. | Check body condition, tipping equipment where fitted, and the finished vehicle weight. |
Buying guidance checked 31 October 2026 against Ford commercial vehicle specifications. Compare the exact specification and a complete supplier quotation. Asking prices are the dated, sourced examples already published on the pages named in the table; they are examples, not a quote or an offer of finance, and they move with the market.
The prices above are what a seller is asking. What a funder will actually do with the purchase is a separate question, and it is the one that decides whether the deal happens.
| Question | Typical answer |
|---|---|
| Term available | 12 to 72 months. Most agreements sit between 24 and 60 months; anything shorter or longer needs a funder check before you rely on it. |
| Age of the asset | There is no single cut-off. It depends on the asset class, and condition, hours and resale value are underwritten rather than the year alone. Tell us the age and we will say before you commit. |
| Buying from a private seller | Often possible, but case by case. It needs a funder who will write it, an inspection and proof of ownership, so say whether the seller is a dealer or a private seller when you enquire. |
| Deposit | Frequently nil where the credit profile is standard. Where it is not, typically 10–20%, nearer 20% if a default is recent. |
| VAT on the purchase | Both approaches exist, depending on the funder. The agreement is commonly written on the ex-VAT price with the VAT paid upfront and reclaimed, though some funders will include the VAT in the agreement. |
General guidance from our own funder panel as at 31 October 2026, not a quote and not an offer of finance. All finance is subject to status and to the funder's own criteria.
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.
We are a broker, not a dealer — we have no stake in which van you choose. These are written on that basis.
Plenty of well-run businesses get turned down by a high street computer for reasons that have nothing to do with how they trade — no filed accounts yet, or no limited company behind them. Neither is a credit problem. If one of these is you, there is a page written for it.
What a new-start application needs. Good credit, and no outstanding CCJs or IVAs. Beyond that, lenders want to see one of two things: that you are a homeowner, or that you can evidence income sufficient to service the monthly payments. A deposit in the 10–20% range is normal.
If that describes you, there is a realistic conversation to have. If it does not, we would rather tell you now than run a credit search that leaves a footprint for nothing.
Tell us the situation Or call 0333 772 4864
We are a credit broker, not a lender. Nothing here is a promise of acceptance: every application is assessed on its own merits and all finance is subject to status and lender approval.
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.
Hire purchase with a balloon payment defers part of the capital cost to the end of the agreement, backed by the vehicles’ expected resale value, so the monthly figure is lower than on a fully amortised agreement. Funding several vans on one agreement also means one application, one credit decision and one payment date rather than several. A balloon is not a discount: the final sum still has to be settled, refinanced, or covered by selling or returning the vehicles, so decide which of those three you expect before taking one.
Real agreements, written up in full — what the business wanted, what the lenders said, and what it cost. Amounts are rounded and no customer is identified.
Construction · Balloon Structure
Both vehicles funded on one agreement with no deposit, a monthly commitment the business was comfortable carrying, and payout eight days after the file was opened.
Lifting Contractor · VAT Upfront
The whole ex-VAT cost funded over five years on a used vehicle, with the business going in knowing exactly what left the account on day one rather than…
Vans & Fleet · Plug-in Hybrid
Two vans funded on one agreement with one set of documents and one end date, and a structure the business chose with the final payment understood at the…
Vans & Fleet · Shorter Term
A three-year-old van funded in full over three years, owned outright at the end of it, and a lower total cost of finance than a longer term would…
Vans & Fleet · West Yorkshire
A brand new van delivered on 8 October 2026 and funded over five years on a profile the business chose deliberately, with the VAT settled at the outset…
Completed finance · Used vehicle
Finance completed for the used Ford Transit, supplied by Carstar (Leeds) Limited, for the customer in Mansfield.
Commercial vehicle · Completed finance
The Renault Master finance deal completed for the business in Birmingham, West Midlands.
Commercial vehicle · Completed finance
The Renault Trafic SL28 Business Blue finance deal completed for the business in Heckmondwike, West Yorkshire.
Commercial vehicle · Completed finance
The Citroen Berlingo 1000 Enterprise Pro finance deal completed for the business in Leeds, West Yorkshire.
Commercial vehicle · Completed finance
The Ford Transit Connect 240 Limited finance deal completed for the business in Hyde, Greater Manchester.
Commercial vehicle · Completed finance
The Ford Transit Courier Sport TDCi finance deal completed for the business in Hyde, Greater Manchester.
Commercial vehicle · Completed finance
The Ford Transit Custom 280 finance deal completed for the business in Hyde, Greater Manchester.
Commercial vehicle · Completed finance
The Ford Transit Custom 280 Limited finance deal completed for the business in Hyde, Greater Manchester.
Commercial vehicle · Completed finance
The Mercedes-Benz Vito 116 BlueTEC finance deal completed for the business in Northampton, Northamptonshire.
Commercial vehicle · Completed finance
The Vauxhall Combo 2300 Prime Turbo D finance deal completed for the business in Bolton, Greater Manchester.
Commercial vehicle · Completed finance
The Nissan Interstar L3H2 finance deal completed for the business in Downpatrick, County Down.
Commercial vehicle · Completed finance
The Ford Transit Custom 280 Trend finance deal completed for the business in Hebden Bridge, West Yorkshire.
Commercial vehicle · Completed finance
The Ford Transit Custom 280 Limited finance deal completed for the business in York, North Yorkshire.
Commercial vehicle · Completed finance
The Vauxhall Vivaro 2700 Sportive finance deal completed for the business in Thetford, Norfolk.
Commercial vehicle · Completed finance
The Volkswagen Crafter CR35 Trendline finance deal completed for the business in Dereham, Norfolk.
Commercial vehicle · Completed finance
The Ford Transit finance deal completed for the business in Harrogate, North Yorkshire.
Commercial vehicle · Completed finance
The Iveco Daily finance deal completed for the business in Boothtown, West Yorkshire.
Vehicle · Completed finance
The Ford Ranger finance deal completed for the customer in Warrington, Cheshire.
290 machines named across 29 types of Vans & light commercials. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.
Real funded examples. Each application is assessed individually.