100% Recommend

Expertly compared by David Beard

Products Updated April 28, 2021

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The actual rate you're offered will depend on your personal circumstances – including your credit rating.

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This provider is our Expert’s Choice in its category as it won tops marks for the following.


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Loan Amount
£1,000 - £250,000

Annual Percentage Rate (APR)

Loan Term
1 - 7 years

Loan Type
Vehicle Finance Broker

Homeowners & Tenants

Rated 5.0/ 5

All credit types

Your monthly payment will be:


Interest on this loan will be:


Annual Percentage Rate (APR):


Total repaid will be:


Finance for cars, motorbikes, vans and motorhomes. We make the process hassle-free & provide the customers with a helping hand throughout. Our aim is to get the best possible finance deal, whilst providing an efficient service of the highest quality.

Representative Example

Read our customer and visitor reviews for this product:

Rating: 4.5 / 5 with 2 votes

Good comparison

by Mandy Thomson

Good comparison service and lenders to choose from. Easy application form.

Plently of loans to choose from

by SL

These facility by Feasible.co.uk provided many solutions and gave me choice of several lenders as part of the search. Vey fast and no issues using them. Quick to phone me back also.

Find The Best Van Finance with Lending Expert

If you are looking to upgrade or purchase a new van, Lending Expert can help find the best van finance deals for you.

Working with CarFinance247, you can find the best van loans, rates and terms according to your budget and circumstances.

Simply click on ‘Apply’ and you will be taken directly to our partner’s website where you can apply. You will be given an instant decision and if successful, you can typically receive funds within 24 to 48 hours and you can be on the road with your new van in no time.


How Does Van Finance Work?

Lending Expert is proudly partnered with CarFinance247, who are one of the UK’s leading van finance brokers. When you submit your details and requirements, they will scour the market for you and match you with the van finance lender who can offer you the best rates and terms.

When applying, you have your choice of different payment arrangements including PCP and van leasing. You can choose according to whether you would like to pay a deposit or own the vehicle at the end of the loan term.

The representative APR for van finance is 24.9%, but this could be much lower if you have a good credit rating. We are well-equipped to offer competitive terms for all credit histories including those with bad credit, adverse credit, defaults and CCJs.

The process requires you to enter how much you would like to borrow (the value of your desired van) and how much deposit you would like to make (usually around 20%). Your application will be subject to further checks and once approved, the funds are transferred to your local van dealership where you can purchase the vehicle. If approved, funds can be transferred within 24 to 48 hours and you can typically be driving your dream van within a week of applying!


What Models Can I Get Van Finance For?

Lending Expert can offer the best deals for all types of vans and models including:


  • Campervans
  • Motorhomes
  • 4x4s
  • Pick-up vehicles
  • Drop side pick-up vans
  • Curtain side vans
  • Crew cab vans
  • Tippers
  • Luton vans


We can offer van finance for any vehicle or model, including well-known brands such as Ford, Mercedes, Land Rover, Renault, Toyota, Vauxhall and Volkswagen. 


What Are The Types of Van Finance Available?

We offer a range of flexible van finance arrangements including:


Personal Contract Hire (PCP) – Pay an initial deposit (around 20%), make monthly payments for 3 to 4 years, with the option to make a balloon payment at the end if you want to own the vehicle outright. Or simply hand back the vehicle and purchase a new one.

Van Leasing – A quick and cheap option, you make an initial deposit and pay monthly. There is no option to own the vehicle at the end, you simply hand it back.

Hire Purchase (HP) – Make an initial deposit, pay a slightly higher monthly rate, but you will eventually own the van outright.

Personal Loan – Get a personal loan and forward this to the dealership to purchase your van. The loan is not secured, but falling behind on payments will incur fees and impact your credit rating.


How Much Deposit is Required for a Van Loan?

You will usually need to make an initial deposit of around 10% to 20% of the van’s on-the-road value. However, this may vary between different dealers, the finance options you choose and whether you are doing a part-exchange of another vehicle. There are also no deposit options required if this is of interest.


Can I Apply for Van Finance with No Deposit Required?

Yes, if you are looking for van finance without a deposit, you can arrange this when you apply with our partners, CarFinance247. To be eligible, you may need to part exchange your existing vehicle and it will need to be in good condition. Note that you could receive below market value for the part-exchanged vehicle since you are paying for the convenience of the dealership to take it off your hands. 

You could also proceed with no deposit options if you are willing to commit to paying a higher monthly payment. With so many different van finance arrangements possible, it is important to review all your options.


Am I Eligible for Van Finance?

Van finance is open and available to everyone that meet the following criteria:


  • UK resident
  • Over 18 years of age
  • Individual and business purposes accepted
  • Freelancers and self-employed accepted
  • Hire and reward available
  • All credit histories considered


Simply click on ‘Apply’ to check your eligibility and get an instant decision.


Can Lending Expert Help Me with Van Finance for Bad Credit?

Yes, Lending Expert can help find the best van finance for people with bad credit. We understand that maintaining the perfect credit score is tricky and working with Car Finance 247 means that you will be able to access the whole market of lenders – and they are willing to take a view on bad credit.

If you have been declined before, do not let this stop you from applying. We are pleased to offer van finance for people with poor credit, CCJs, IVAs and a history of defaults.


How Do I Apply for Van Loans with Lending Expert Today?

You can get a van finance quote in less than 5 minutes. Start by clicking on the ‘Apply’ button where you will be taken to our award-winning partner, Car Finance 247. Enter a few details about the van you are looking to purchase and some information about yourself and presto!

You can get an indicative quote and subject to further checks, you can be approved and ready to purchase your van before you know it!



Yes, we do accept part-exchanged vehicles and this can often help you bring down the overall deposit or cost of your van loan. It does not have to be a van, you can part-exchange a bike or car too. However, the vehicle should be in good condition and ideally under 7 years of age.

You can borrow £1,000 to £250,000 through our partners at Car Finance 24/7 - with the average loan period of 1 to 7 years. You can check your eligibility using the apply button provided.

You can get an instant decision when you apply online. Every application will be subject to further checks, but applications are usually approved in a matter of days.

No. All the lenders on our panel will require a credit check to ensure your creditworthiness. You can use the van finance calculator above to get an estimate of costs at various interest rates. Click apply to get an exact quote from our finance brokers.

The average application is funded in 24 to 48 hours and this is transferred to the dealer of your choice and completed as quickly as possible. You can save time by finding the right van and dealership to purchase it from.

Yes, we accept van finance applications for people who are self-employed, sole traders or running their own business. You are not treated any differently to any other business or employee and will just need to show proof of income.

Yes, you can purchase a van for business purposes or a fleet if you wish to buy more than one. This could be perfect if you do deliveries, work in construction or provide services out and about.

Our partners at Car Finance 247 will do this for you automatically. Just make sure that you have the details of the dealer you wish to use or they will recommend one for you.

If your van finance application is approved, you are free to choose a vehicle from any reputable UK dealership. This means you have plenty of choice and gives you the freedom to find the perfect vehicle that suits your needs.