Luton van finance
Box on the back, cab overhang over the roof — Luton vans funded new from the bodybuilder or used from a dealer, tail lift included.
Whole-of-market — 60+ lenders searched, including
Can you finance a luton van?
Yes. A Luton is funded as a single commercial vehicle asset, chassis and body together, normally on hire purchase. Used Lutons are fundable and there is a steady second-hand market behind them. What catches people out is the body rather than the van: a Luton is a converted vehicle, and lenders care about who built the box and what it is made of. A tidy GRP body from a known converter supports a valuation; a tired plywood box on a good chassis can drag the whole vehicle down. If a tail lift is fitted, get it on the same invoice and make sure it has a current thorough examination.
Used kit: Yes — used Lutons are funded regularly. Lenders look at the body condition and floor more closely than the chassis age, so a well-kept older body can be easier to fund than a newer neglected one.
Get a quoteor call 0333 772 4864
What would a luton 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
A Luton is a conversion, and conversions are underwritten differently to a plain panel van. Funders want to know the converter, because a body from an established bodybuilder is a known quantity and something welded up in a yard is not. Resale is respectable but narrower than a panel van, so the lender figure usually sits under a private advert price. Tail lifts help usability but add relatively little to resale value, and an out-of-date lifting examination is a genuine problem for the funder as much as for you. New builds are often supplied on stage payments — chassis first, body second — which needs a lender comfortable with paying in tranches. Declines cluster around home-made bodies, water-damaged floors and applicants buying from auction with no inspection.
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 Luton | Box body with overcab luton peak |
| Mercedes-Benz Sprinter 315 Luton | Durable luton for removals work |
| Peugeot Boxer Luton | Value luton for house moves |
| Citroen Relay Luton | Luton body with column tail lift |
| Renault Master Luton | Luton van with good payload |
| Vauxhall Movano Luton | Luton for parcel and furniture delivery |
| Iveco Daily 50C Luton | Heavier luton on a truck-derived chassis |
| Maxus Deliver 9 Luton | Value luton with long warranty |
| Fiat Ducato Luton | Luton conversion for man-and-van work |
| Ford E-Transit Luton | Electric luton for low emission zones |
Get a quoteor call 0333 772 4864
Who buys one
Furniture retailers doing their own deliveries, man-and-van removals operators scaling up, flooring and appliance distributors, and hire fleets replacing units. The classic trigger is a business that has been renting a Luton by the day for months, finally totting up what that has cost, and deciding to buy. Also common: a removals firm that has won a contract requiring a tail lift so a single operative can load without a second pair of hands.
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.
Luton van finance questions
Can I finance a Luton van with a tail lift?
Yes, and it is far simpler if the lift appears on the same invoice as the vehicle. Lenders will expect the tail lift to have a valid thorough examination certificate, since it is lifting equipment. Retro-fitting a lift after payout usually means a separate conversation.
Does it matter who built the Luton body?
It matters more than most buyers expect. A body from a recognised converter supports the valuation because the funder knows what it is. A home-built or unidentifiable box makes the vehicle hard to value and hard to sell on, which narrows the lenders willing to write it.
Can I finance a new Luton that has not been built yet?
Yes. New builds are often funded on stage payments, with the chassis paid first and the body on completion. Not every lender does this, so tell us early if the van is on order. We will place it with a funder that handles staged conversions as a matter of course.
What should I check on a used Luton body?
The floor above all — soft or delaminated ply is expensive and points to a leaking roof. Then the overhang joint, the corner posts, the roof seals and the tail lift ram seals. A damp body devalues the whole vehicle no matter how good the chassis and engine are.
Is a Luton classed as a van for tax purposes?
It is normally treated as a commercial vehicle, which generally means the annual investment allowance route rather than the restricted treatment applied to cars. That is a common reason removals businesses buy rather than rent. Your accountant should confirm how it works for your set-up.
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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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.