How It Works

Bad credit van finance

Get a van and finance package with the bad credit specialists

Get a quote in minutes ✅ - with zero impact on your credit score!*

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Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender. *a hard search will be performed if you decide to proceed

Bad credit van finance

Bad credit can put lenders off wanting to borrow you money for a new van, which can be devastating if your van is crucial to your livelihood.

If you’re concerned about applying for van finance because you have a low credit score, that’s understandable.

At Hippo, we believe in trying to help people who have fallen on financial hardship or haven’t been able to maintain a good credit score, so we take a different approach.

The Hippo commitment

You should have the right to access a van that helps you improve your livelihood and take your business to the next level. So, we provide a product and a service that allow you to:

  • Ditch the stigma of bad credit borrowing by working with a responsible broker and lender.
  • Invest in your future by buying a car that helps you improve your livelihood or business.
  • Improve your financial credibility, so you’ll be more attractive to lenders in the future.

How to get van finance with bad credit

  • Step 1
    Step 1
    Check if you'll be accepted - with no impact on your credit score!*
    Simply fill in our quick and easy form and we'll let you know within minutes if you'll be accepted.
  • Step 2
    Use the My Hippo app to find your car
    Once you've been accepted for finance, your dedicated account manager will give you exclusive access to our portal, where you can browse 1000’s of vehicles and reserve your dream car
    Step 2
  • Step 3
    Step 3
    Drive away in your dream car!
    Collect your car within 48 hours from one of our showrooms or arrange nationwide delivery to your door!

Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender.

*a hard search will be performed if you decide to proceed

What type of finance do you need?

Business van finance
1. Business van finance
Our most popular option, most of our van finance customers need a van because it fuels their livelihood or is critical to business operations. We can finance individual vans or fleets, whatever your circumstances.
Personal van finance
2. Personal van finance
If you don’t own a business it doesn’t mean you can’t finance a van. Vans are practical, useful vehicles that can transport anything from camping gear to unwanted rubbish. If you need a van for personal use, we can help.

3 benefits of using Hippo for van finance

1. Use bad credit specialists
You won’t find anyone in the van finance business that has our expertise in the bad credit sector. We work with specialist bad credit lenders that help people that suffered financial hardship.

2. Pay nothing for 30 days and avoid paying a deposit
We understand that running a business can be hectic, so we allow our van finance customers to avoid the cost of a deposit and don’t pay anything for 30 days – giving you time to save for your first payment.

3. We keep your monthly payments low
Balancing the books can be tricky, so you don’t want a large expense exiting your account every month. That’s why we work with responsible lenders that offer competitive rates, so we can keep your payments low even if you don’t pay a deposit.

3 benefits of using Hippo for van finance
How can Hippo help me get accepted for new van finance?

How can Hippo help me get accepted for new van finance?

If you’re trying to finance a van with bad credit, you’re probably concerned about rejection, and what that would mean for your business. Your poor credit history may not be as limiting as you think.

With over 50 years’ experience, we help people get the van they need, and Hippo knows that finding the perfect van at the right price is easy if you use the right company. No jargon. No finance riddles. Straightforward van finance.

Our team has plenty of experience helping people get the van they want, and you’ll get access to our panel of specialist bad credit lenders – which will increase your chance of acceptance. Start today with our FREE soft credit check that won’t affect your credit score.

Apply now

Check Your Credit Score

As a responsible broker, we always recommend picking the finance package that’s right for you. You can do a FREE soft credit check with us that won’t affect your credit score, but you can get an idea of which finance package you’d prefer beforehand:

Hire purchase
A loan which allows you to pay a set monthly instalment. Once you’ve paid off the finance, you’ll own the van, so you can part-exchange it, either sell it or keep driving it.
Personal contract purchase (PCP)
A loan that allows you pay a monthly instalment, except you don’t pay off the full value like HP. You’ll have an option to pay a balloon payment at the end of the agreement if you want to own the van.
Personal contract hire (PCH)
A loan that allows you to pay a monthly instalment, except you won't have the option to own the van. PCH is ideal for people that know they want a van but aren’t interested in owning the vehicle.
3 reasons to trust Hippo with your next van purchase

3 reasons to trust Hippo with your next van purchase

As a responsible broker specialising in working with people who have bad credit, we aim to set ourselves up as a trustworthy broker. Here are three reasons to trust our service.

  • All our vans come with a free 130 point check, and no vehicle leaves our showroom without passing it.
  • We offer a 14-day returns policy, so if you aren’t happy with your vehicle you can get your money back.
  • As well as your returns policy, you can rest easy knowing you’ll receive an extra six months warranty from Hippo.

Apply now

"Very good service and fantastic staff, plus, I received my van within a week from start to finish"
Mark Davies | 23/11/2019
Can I get a van on finance with bad credit?


Representative Example of Credit

Based on a Hire Purchase (HP) agreement. We expect more than 51% of our customers to achieve this rate.

Loan amount




60 monthly payments


Deposit amount


Loan term

60 months

Flat rate


Total cost of credit


Total amount payable


All pictures and/or photos and car descriptions on this site are for illustration and reference purposes only and are not necessarily the vehicle on offer. All offers are subject to change at any time and are subject to finance approval and vehicle availability. All prices correct at time of publication. E & OE.

Hippo Vehicle Solutions Limited t/a Hippo Finance is authorised and regulated by the Financial Conduct Authority. FRN 658076. Company number 06215364, registered company address – Unit 26, Trident Park, Trident Way, Blackburn, BB13NU. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a commission for introducing you to a lender, the commission we receive may be preset but can vary and impact the amount payable. Images for illustrative purposes only. Hippo Vehicle Solutions Limited t/a Hippo Finance is an Appointed Representative of AutoProtect (MBI) Limited for insurance distribution purposes. AutoProtect (MBI) Limited is authorised and regulated by the Financial Conduct Authority. Its firm reference number is 312143. You can check this at

* Only a soft check is carried out when you complete this finance check which won’t affect your credit score. However, if you choose to proceed and order a vehicle, a full credit check will be carried out.
** Delivery and collection times are dependant on your vehicle being ready when you place your order. If your vehicle is still being prepared then these times may be extended.
*** We offer you a 14 day money back guarantee, meaning you’re not stuck in the remainder of your contract, if you change your mind once you’ve signed your documents. But this is subject to a cancellation fee which is £600.

We endeavour to ensure that all information including the specifications and finance availability are accurate. Whilst we make every effort to display correct information we are aware that errors may occur occasionally. We are not able, therefore, to guarantee the accuracy of all information especially when given to us by third parties. If you do require clarification of some information you have seen on our website, please email us at [email protected]. This does not affect your statutory rights.

Our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB1 3NU.

When completing an application on this site we will automatically check your eligibility across a range of finance & leasing products to provide you with the best selection of options that we can. Below is a Representative Examples of our HP finance options for comparison, we expect more than 51% of customers to achieve the rates shown.

Representative Example Of Credit (Hire Purchase)
Hire Purchase (HP) Finance Example: Cash Price £12,480.00 Total Deposit £1,140.00. Total Amount of Credit £11,340.00. 60 monthly repayments of £284.50. Interest Charges of £5,730.00 Total Amount Payable £18,309.00. Annual Fixed Interest Rate of 11.1%. Representative APR 18.9%.