Minibus Finance

Novuna Minibus & Coach Finance - Rates & Terms

Novuna minibus and coach finance rates October 2026 - 4.5–12.5% APR on new minibuses. Digital decisions. Arranged by Doulton Bridging Finance.

Rates updated October 2026

Novuna Business Finance (formerly Hitachi Capital) is a mainstream asset finance lender with a digital-first process and competitive rates on new and nearly new passenger transport vehicles. They are well suited to established private hire operators, schools, and care providers seeking efficient, cost-effective minibus funding.

Novuna Minibus Finance Rates - October 2026

Finance Type	Indicative APR	Term	Min Deposit
HP - new minibus (clean credit)	4.5–7%	24–60 months	10%
HP - nearly new minibus (1–3 yrs)	6–9.5%	24–48 months	10%
HP - used minibus (3–7 yrs)	8–12.5%	24–48 months	15%
Finance Lease - new	4.5–8%	24–60 months	N/A

Advantages

Same-day digital decisions on qualifying applications
Competitive rates on new minibuses
Streamlined documentation for established operators
HP and Finance Lease available

Limitations

Less flexible on adverse credit
Older minibuses (>7 years) may be declined
Van conversions treated with caution
Start-ups typically referred elsewhere

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FAQs

Frequently asked questions

What APR does Novuna offer on minibus and coach finance?

Novuna Business Finance quotes indicative rates of 4.5–12.5% APR on minibuses, with the keenest rates available to established operators buying new or nearly new vehicles with clean credit.

Does Novuna offer digital decisions on minibus applications?

Yes. Novuna has a digital-first underwriting platform and can often issue a same-day credit decision on qualifying minibus applications.

What types of minibus operator does Novuna prefer?

Novuna's ideal minibus borrower is an established private hire operator, care provider, or school with 2+ years trading, clean credit, and a vehicle under 5 years old.

Will Novuna finance a van conversion minibus?

Novuna prefers factory-built minibuses from recognised manufacturers. Van conversions are considered case-by-case and may attract a higher deposit requirement.

How does Novuna compare to Close Brothers for minibus finance?

Both are mainstream lenders with broadly similar rate ranges. Novuna's advantage is their digital process speed; Close Brothers' advantage is slightly broader appetite for older vehicles and operator types.

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Asset finance for business purposes is not regulated by the FCA. Rates shown are indicative as at October 2026 and depend on credit profile, term, vehicle and deposit. We act as a credit broker, not a lender. Your vehicle may be repossessed if you do not keep up repayments.