Crew cab van finance
Five or six seats behind a bulkhead with the load space still intact — crew vans funded for gangs who travel together and work together.
Whole-of-market — 60+ lenders searched, including
Can you finance a crew cab van?
Yes. Crew cab vans and kombis are funded as commercial vehicles, normally on hire purchase in the business name, and used examples place without difficulty. The point that catches people out is not lending, it is tax and classification. A van with a second row of seats can, depending on specification, be treated differently by HMRC to a plain panel van, and the line between a commercial vehicle and a passenger vehicle is not always where owners assume. That affects both benefit in kind and the capital allowance position, so it is worth a conversation with your accountant before you order.
Used kit: Yes. Used crew cabs fund well, with factory-built versions valued more confidently than vans converted after registration.
Get a quoteor call 0333 772 4864
What would a crew cab van cost per month?
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 may 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.
How lenders treat it
Crew vans are easy to place on the asset side — demand second-hand is strong, especially factory-built kombis, which hold value better than aftermarket seat conversions. That distinction matters: a factory crew cab from Ford or Volkswagen is a known quantity, whereas a panel van someone has retro-fitted with a second row needs evidence the conversion was done to standard, with proper belt anchorages and certification. Funders will ask. On the credit side, the sectors that buy crew vans are construction and utilities, so lenders look for visible contract income and are alert to applicants whose van is really a family vehicle wearing a business name. Declines come from uncertified seat conversions, applicants with no trading evidence, and vehicles specified so far towards passenger use that the funder queries whether it is a commercial at all.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Ford Transit Custom Double Cab-in-Van | Medium van with six seats |
| Volkswagen Transporter Kombi | Crew van with removable rear bench |
| Vauxhall Vivaro Doublecab | Value crew van for site teams |
| Renault Trafic Crew | Medium crew van with bulkhead |
| Mercedes-Benz Sprinter Crew Cab | Large crew van for gangs and kit |
| Toyota Proace Crew Cab | Crew van with long warranty cover |
| Ford Transit Double Cab-in-Van | Large crew van for heavier loads |
| Peugeot Expert Crew Van | Six-seat medium van for contractors |
| Citroen Dispatch Crew Van | Crew van with folding rear bench |
| Volkswagen Crafter Kombi | Large crew van for utility fleets |
Get a quoteor call 0333 772 4864
Who buys one
Groundworks and civils gangs who travel to site as a team, roofing crews, utilities and telecoms contractors, and window and door installers who need two fitters plus glass in the same vehicle. Also popular with businesses that want one vehicle to do double duty during the week and at weekends. The usual trigger is paying two sets of fuel and parking because a two-man job needs two vehicles.
Get a quoteor call 0333 772 4864
We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in vans and fleet.
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Crew cab van finance questions
Is a crew cab van still classed as a commercial vehicle?
Usually, but not automatically. Classification depends on payload and how the vehicle is built and used, and some crew vans sit close to the boundary. The difference affects benefit in kind and capital allowances, so confirm the position with your accountant before you commit to a specification.
Can I finance a van that has been converted to a crew cab?
Yes, provided the conversion is properly documented. Lenders want evidence that the seats and belt anchorages were fitted to standard by a converter, not bolted in by a previous owner. An uncertified conversion is a valuation problem and, more importantly, a safety and insurance one.
Do crew cabs hold their value?
Factory-built ones do well, because there is steady demand from trades who need seats and load space in one vehicle. Aftermarket conversions are patchier. Specification helps — air conditioning, a proper bulkhead and a sensible colour all widen the pool of second-hand buyers.
Can I use a crew van for the family at weekends?
Many owners do, but be careful: if private use is more than incidental it can change the tax treatment and the insurance you need. It can also raise a query with the funder about whether the vehicle is genuinely a business asset. Be straight about the intended use.
Which is better, a crew van or a second small van?
It depends on whether your team travels together. One crew van saves fuel, parking and duplicated finance, but it ties two people to one vehicle. If your fitters routinely split to separate jobs, two smaller vans give flexibility that a crew cab cannot.
Get a quoteor call 0333 772 4864
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See everything we fund in van and light commercial finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
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We are a broker, not a dealer — we have no stake in which van you choose. These are written on that basis.
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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.