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Bad Credit Van Finance

Our team will work hard to try and help get you the best bad credit van finance deal. Once you submit a quote, our passionate team of experts will get to work on finding you the best deal. We will try to find what you need, most circumstances considered. Read on for more information.

Rates from 10.9% APR. Representative APR 19.9%

Bad Credit Van Finance

Instant Online Decision

Our online form takes less than 60 seconds to apply & the decision is instant, we will contact you.

£0 Deposit options

If you are approved, we may have £0 Deposit Options available for you, depending on your circumstances.

Free History Checks

We will conduct a Free History & Value Checks on your behalf to ensure the car is fit for purpose.

Bad Credit Van Finance

Bad Credit Van Finance

If you’re in the market for a brand new van but your credit score could be better, then look no further. There have never been more options available to get the right deal on a van for whatever you need, most circumstances considered.

Our Lenders

We have great relationships with a wide network of lenders and dealers who specialise in bad credit car finance.  We have great relationships with many trusted companies And, we want to make it very clear that there is no favouritism between any of our contacts. Plus, our sole purpose is to compare these lenders to find the best deal for van finance for our customers.

Our Promise

We promise to inform and assist our customers towards their van finance application every step of the way.


The information on this page should not be treated as a replacement for expert financial advice to do with your personal unique situation.  But, more as preparation ahead of your bad credit van finance application. You can get more information from a Credit Reference Agency if you want to find out more.

Before We Begin…

Prior to beginning comparing van finance options and helping you progress with your application, we recommend ensuring that your credit score is in the best possible position. This will result in us being able to get you the best possible deal. In order to ensure this, we recommend you look to Credit Reference Agencies for advice. Their wealth of knowledge could help  you get the best bad credit van finance deal.

Data Protection

Here at Bad Credit Motor Finance, we are here to secure the best deal possible for your unique situation. Everybody is different, and all require a fine tuned service to suit their specific needs within their car finance application. Especially if they have a bad credit rating.

As independent brokers, we could access our wide network of lenders in order to secure the best deals for you. Just click ‘Quick Apply’ and enter your details into our free calculator for us to compare the best quotes for your consideration. Your data will be completely protected.

Van Finance For Self-Employed

If you are self-employed and need a van to support your business, Bad Credit Motor Finance could help. We understand how difficult it can be to get credit for a loan if you are self-employed. This is why we do everything possible to find a deal that works for you. Our trusted panel of lenders can put together bespoke loans tailored towards anyone who is self-employed. This offers affordable and accessible deals that make a real difference to your business.

Wide Range Of Options

Types Of Finance Agreements

Hire Purchase (HP)

The most well known van finance option is through Hire Purchase.

This is where you hire the van for the duration of the period that you are paying off your van. Once it is paid off, you will then become the owner of the car.

You pay for the van in monthly installments over a pre-agreed space of time which could be months or years. Each monthly installment, with any finance option for that matter, will likely include a fixed interest rate. The interest rate is usually higher depending on your credit rating. At Bad Credit Motor Finance we are able to find the best deal for you and your circumstances.

Failure to make your payments on time will result in the repossession of your van. While some other finance options may come with a mileage limit – this is not the case with a HP finance contract.

Personal Contract Purchase (PCP)

Another extremely popular finance option is a PCP contract. This is similar to a HP purchase option, but once you reach the end of your finance contract, you have three options. You can choose to own the car by paying a final lump sum. This is known as a “balloon” payment. The amount of the balloon payment depends on the Minimum Guaranteed Future Value (MGFV) of the vehicle which is agreed at the start. Because a significant amount of the cost is deferred until the balloon payment, then the monthly instalments are usually cheaper than with a HP deal. The second option is to return the van once the balloon payment is due, meaning you have just rented the vehicle and returned it. The third options would be to part exchange the van for another van under a new PCP contract.

These final two options would mean that you are renting the van, and so a mileage limit will likely apply for the duration that you have the van under hire. There may also be maintenance charges added to the contract.

Lease Purchase

A lease purchase option is to hire the vehicle, but the only option available for you is to own it at the end – like HP finance. The difference between the two is that you pay lower monthly installments followed by a balloon payment at the end. This can be ideal if you intend to own the vehicle outright, but it is important to be prepared for the significant cost of the agreed balloon payment at the end of the van finance contract.  

Personal Contract Hire

With this deal, you agree to hire the van then return it, with no option of ever owning the vehicle. There will be a mileage limit in place, but other than that there will be no additional limits or unexpected maintenance charges, as these will be included in the monthly installments. While your monthly installments may be higher, you will have free reign of the vehicle and be able to return it to the dealer once the period is done. This is ideal for van drivers who may only need a van for a set period of time.

Personal Loan

A personal loan is the acquisition of money from a lender who is not directly affiliated with your vehicle. This would allow you to be able to purchase the vehicle outright with the lenders money, and then pay them back over time on their variable fixed terms. With bad credit, this may be your best option to get the best interest rates for your personal circumstances. As the loan is not directly linked with the van, the lender would not be able to repossess the vehicle, but can take other forms of legal force, including a retrieval of goods that are a sum of the cost owed, which could then include the van. 

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Our Bad Credit Finance Calculator

If you require a rough estimate of your entitlement and payments, you may wish to use our Finance Calculator, it is simple to use and takes less than a minute.

Rates from 10.9% APR. Representative APR 19.9% Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 19.9%, the monthly payment would be £182.26, with a total cost of credit of £2,748.61 and a total amount payable of £8,748.61. Car Loans UK is a broker not a lender. This is an example only, all finance subject to status. Lender fees may apply

Frequently Asked Questions

Here at Bad Credit Motor Finance we will work with you to find the right van that is going to suit your needs. This includes anything from a 4×4 pick-up, a large van, medium van, small van, and everything else in between. We work with a number of dealerships across the UK that can offer Volkswagen, Mercedes, Citroen, Ford and may others.

Give us a call today to see how we can help your secure van finance.

Yes, Bad Credit Motor Finance is able to provide van finance for poor credit histories. Customers can still access the best rates because we are able to compare offers from a number of participating providers. If you have poor credit you may not necessarily get the best finance deals, but we can certainly have a look at your situation to see what we can offer you and take it from there. 

Here at Bad Credit Motor Finance this is the bit we enjoy the most about our jobs, finding the best deals and the right process to suit your budget. We understand that life can be busy, especially if the van your after is for your business. Once we’ve found you the right van, we can then get on with getting you a quote for the finance to get that van off the forecourt and onto your drive.