Used Van Finance
Fund a second-hand van without the age and mileage rules catching you out at the end of the term.
- Whole-of-market — 60+ lenders searched
- All credit histories considered
- Decisions in as little as 24 hours
Whole-of-market — 60+ lenders searched, including
Used van finance is straightforward once you know the rules. The question is rarely whether a used van can be funded — it is whether the van you have found will still qualify at the end of the agreement. That is where most used van applications come unstuck, and it is easily avoided.
What you can fund
Dealer purchases
Used vans from franchised and independent dealers.
Private sales
Subject to ownership and finance checks.
Auction buys
Arrange funding before you bid.
High-mileage vans
Specialist lenders where mileage is high.
Older vehicles
Lenders who look past standard age caps.
Specialist conversions
Used tippers, Lutons and refrigerated vans.
The rule that catches people out
Most lenders do not just look at the age of the van today. They look at how old it will be when the agreement finishes. A five-year-old van on a five-year term is ten at the end, and plenty of lenders will not go there.
That single rule explains most used van finance declines. The fix is usually a shorter term or a different lender, not a different van — but it is far better to know before you commit to the vehicle.
Age and mileage limits
Limits vary by lender. As a rough guide, many will fund used vans up to around ten years old at the end of term, with mileage caps that tighten as age increases. Specialist lenders go further on both, particularly where the van is well documented and the business is strong.
Dealer, private sale or auction
Buying used vans on finance from a dealer is the simplest route. Private sales are fundable but need more care — the lender will want to verify ownership and that there is no outstanding finance on the vehicle. Auction purchases move quickly, so arrange the funding before you bid rather than after.
Why used van rates differ from new
A used van has a less predictable resale value, so the lender is carrying more risk on the security. That usually shows up as a slightly higher rate or a shorter maximum term. The trade-off is that the purchase price is far lower, so the total cost is often still well below a new equivalent.
Getting the best used van finance deals
Send us the make, model, year, mileage and price before you commit. We will tell you which lenders will fund that specific vehicle and over what term — which is more useful than a general rate quote that may not survive contact with the actual van.
See also: van finance generally, or van finance deals to compare offers.
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
Can I get finance on a used van?
How old can a van be to finance it?
Can I finance a van from a private seller?
Can I finance a van bought at auction?
Is used van finance more expensive than new?
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.