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Bad Credit Van Finance

With specialist lenders, we can help those with bad credit obtain van finance.

At Carvine, we believe that buying a van should be easy for everyone and that bad or poor credit shouldn’t stand between you and your vehicle.

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bad credit van finance carvine

Soft credit checks Bad credit accepted CCJs, Defaults, Self-Employed

Representative APR of 27.9%

 

Our finance calculator can give you an idea of how much your monthly payments will be.

Representative Finance Example:

Borrowing £7,500 over 4 years with a representative APR of 27.9%, an annual interest rate of 27.9% (Fixed) and no deposit, the amount repayable would be £244.77 per month, and total cost of credit would be £4,248.96 and the total amount payable would be £11,748.97*

*Your rate may differ from the above illustration due to your individual circumstances. All credit subject to status.

We are a broker, not a lender.

A Quick Guide To Bad Credit Van Finance

Bad credit van finance is designed for people who have a bad credit score.

To be accepted for bad credit van finance you sometimes need to be able to prove your affordability. In most cases however this is done automatically but in some instances, you may need to prove your income.

We can offer you a van loan for up to £25,000, but this will depend on your ability to support the loan and afford the monthly payments.

If you have bad credit history and need a van please apply for a fast decision. 

Once approved you can then look for a van within your credit limit.

Applying for van finance online is easy. You’ll receive a fast decision and our team will give you expert advice and support every step of the way.

carvine trustpilot

Representative APR of 27.9%

How To Apply For Bad Credit Van Finance

Once you’ve made your online application, one of our bad credit van finance specialists will be in touch to talk about the finance options available to you.

You’ll be assigned an advisor who’ll give you a clear idea of the van finance that can be made available and details of the monthly repayment. You will know where you stand over the entire term of your finance.

Van Finance For Self-Employed People

We regularly arrange finance for people who are self-employed so it’s always worth applying.

We might ask you to provide some documents such as proof of income, but this will be explained to you by a member off our team.

No matter your business industry, we can help as this is what we specialise in.

Use our finance calculator to see how much you will pay.

Bad Credit Van Finance FAQs

Can I get accepted for van finance with defaults and CCJ?

We have a panel of specialist lenders who help van drivers who may have CCJ’s or defaults.

You may, of course, need to prove your income however we may be able to get an auto-acceptance on your van finance which means that you don’t need to provide any information.

We do not need a guarantor or joint applicant who has a good credit rating.

If I apply for van finance will it affect my credit score?

If you apply for bad credit van finance with us the first thing that happens is a ‘soft credit search’.

We can then give a personalised quote but to be clear this has no effect on your credit report.

If you’re happy with your personalised loan offer, APR and monthly repayments, we will then conduct a full credit search on completion of your van purchase.

I’m self-employed and need a van on finance, can you help me?

We have lenders on our panel who approve self-employed customers with poor credit every day.

If you’re self-employed and looking to get a used van financed, you are in the right place.

We may need to see 3 months bank statements as proof of your income depending on your specific criteria but often we can proceed without an income check.

I have a bankruptcy, can I still apply for van finance?

If you’ve been discharged from your bankruptcy, we can usually help you.

All you need to do is fill in the online application and one of our experts will be in touch with you shortly to advise your van finance loan terms.

We cannot guarantee your van finance acceptance.

Van Finance Guides & Help

  • Top 5 Business Vans to Finance
    If you are thinking about applying for finance to buy a new van for your business, the first thing you need to do is decide on the right van for you. There are lots of business vans to choose from, and your choice will depend … Read more
  • Can You Get Van Finance With Bad & Poor Credit?
    If you need to get a new van, you may be keen to buy one using van finance. However, if you have a bad credit score or poor credit history, is this going to be possible? Here we look at why you may still be … Read more
carvine trustpilot

Representative APR of 27.9%