Van Finance

What’s your monthly budget?

Rates from 9.9% APR. Representative APR 13.9%. We are a credit broker, not a lender.

Representative example: Borrowing £7,500 over 60 months with a representative APR of 13.9%, flat rate of 7.25% and deposit of £0.00, the amount payable is £170.98 per month, with a total cost of £2758.68 and a total amount payable of £10,258.80.

Van Finance that's just the job

Accessible personal and business finance options on a massive range of new and used commercial vehicles. Whatever your needs, our van finance deals have got you covered.

Finance a van on your terms

We do van finance for everyone. Sole traders. Small business owners. Personal users. We do the lot.

No matter what you’re looking for, we keep things simple with flexible finance options to suit every requirement, and tailored plans for those who need a bespoke solution. Our range covers compact city runners through to heavy-duty workhorses – and they’re all available on contracts that get you on the road without a large one-off payment.

Interested? Get started with our two-minute, no-impact eligibility check.

The benefits of getting a van on finance

Financing a van covers a lot of bases for a lot of people. Here’s why it works:

Avoiding lump sum payments relieves pressure on your cash flow – ideal if you need to manage other expenses.

You can spread the cost of your contract to fit your budget, with fixed monthly instalments meaning steady, expected outgoings for the duration of your agreement.

Flexible terms across a variety of business and personal finance plans allow you to build a deal that fits your requirements, commercial or otherwise.

With no-deposit options across our full range, you can pay nothing for 30 days.

A massive range of new and used vans means you can find the right vehicle for the job.

You can get everything sorted in a day, with same-day collection available on hundreds of used vans. Or, we can deliver direct to your driveway, with free delivery on all new van orders.

How does van finance work?

Our van finance process is straightforward:

From hundreds of in-stock used options or our complete new catalogue. Looking for something specific?

We cover a full range of plans for commercial and personal users.

Balance your upfront and monthly costs to suit your cash flow.

Fixed instalments for the duration of the agreement mean no fluctuating costs down the line.

Types of van finance

You can get a new or used van on whatever type of finance you like, including business plans for commercial users. Some of our most popular van financing options are:

Personal contract purchase (PCP)

Hire purchase (HP)

Similar to PCP but structured to take ownership of the vehicle (rather than have the option to) at the end of the deal.
Choose a contract length and upfront deposit amount.
Fixed monthly payments for the duration of the deal.
Own the car at the end of the deal with no large balloon payment to pay like with PCP.

Conditional sale (CS)

Very similar to hire purchase, but with no additional fees or admin requirements to own the vehicle.
Choose a contract length and upfront deposit amount.
Fixed monthly payments for the duration of the deal.
Ownership of the vehicle is transferred upon the final monthly payment.

Business contract hire (BCH)

Can I get van finance with bad credit?

As one of the nation’s leading bad credit and zero deposit finance experts, we specialise in supporting customers with less-than-perfect credit who are looking to find a sensible deal on the van they want.

Over the years, we’ve helped thousands of people who’ve faced problems with CCJs, IVAs and bankruptcy, not to mention those who’ve been refused car finance previously or customers struggling with negative equity. We do this by working with a handpicked group of lenders who are open to working with a wider range of credit profiles – boosting your chances of being approved for van finance with bad credit.

If you’re worried about financial difficulties getting in the way of you being approved for finance, try our fast, free and no-impact eligibility checker. It takes two minutes to complete and will let you know where you stand without affecting your credit score.*

Why choose Hippo for your van finance?

We pride ourselves on helping those others won’t.

With no-deposit options across our entire van finance range.

Find out in as little as 30 minutes** if you’re likely to be approved for credit with our free soft credit check.

We’ve got a complete range of new models available for delivery, hundreds of vans in stock and ready for same-day pickup, and even a bespoke sourcing service if you need something specific.

A dedicated account manager will be with you every step of the way to make sure you get the finance deal you want.

Available on any new van order.

We’re rated ‘Excellent’ on Trustpilot for a reason.

Get moving today with affordable, accessible van finance from Hippo

There’s no need to wait around for the right van finance deal to come along – we can help you find exactly what you’re looking for today with our complete range of van financing options. Go for a quality used option, and you could be driving away in a matter of hours.

Get started today with our quick and easy soft credit check.

Van finance FAQs

Is it better to buy or lease a van?

That depends on your circumstances – mainly your budget and what you want to do with the van at the end of the deal. If you’re looking for the cheapest solution, a long-term rental might be your best option. If you’d rather build equity and work towards owning the van, you’ll need to look at a purchase deal. The good news is we offer various types of both, and we’ll be happy to help you figure out the best option.

Do I need to be VAT registered to finance a van?

No, you don’t need to be VAT registered to take out van finance. However, if you are VAT registered and use the van for business purposes, there are potential tax benefits to take advantage of.

Can I get van finance through a limited company?

Yes, businesses can finance vans through limited company agreements. This can be a tax-efficient way of funding company vehicles, though it’s best to seek professional advice on whether this is the best route for you before committing.

Do I need a deposit for van finance?

Not necessarily. We offer no-deposit deals on every van in our range. Your monthly costs will be higher if you don’t put anything down up front – and it might be tougher to get approved – but it does mean you’ll have nothing to pay for the first 30 days of your deal.

Can I part-exchange my current van?

Yes, you can part-exchange your current vehicle – van or car – as part of your new finance deal. Speak to a member of the team and we’ll let you know what a potential part-ex package could look like.