Commercial Van Finance

Get indicative terms - free, no obligation

First name *

Last name *

Email address *

Phone number *

Business name (if applicable)

Type of van - make, model, approximate year

New or used?

Finance type preference

Approximate van value or budget (£)

Preferred term

Trading status

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Do you have any existing lending terms you would like us to beat?

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Doulton Money Limited · FCA No. 814533 · No obligation enquiry

Finance Options

Hire Purchase (HP): Fixed monthly payments over 2–7 years. You own the van at the end. Best for buyers who want ownership and predictable costs.

Finance Lease: Lower monthly payments, no ownership at end. VAT-efficient for VAT-registered businesses. Flexible - sell, refinance or hand back at term end.

Contract Hire: Fixed monthly rental, van handed back at end. No ownership, no residual value risk. Popular for fleets where total cost of operation matters.

Sale and Leaseback: Release equity from vans you already own while keeping them in use. Improves cashflow without disrupting operations.

Indicative Rates

Finance Type	New Van Rate	Used Van Rate	Typical Term
Hire Purchase (HP)	7.9% – 14.9% APR	9.9% – 19.9% APR	24–84 months
Finance Lease	6.5% – 12.9% APR	8.5% – 16.9% APR	24–60 months
Contract Hire	Equiv. 7% – 13%	Not typically available	24–60 months
Sale and Leaseback	8% – 18% APR	Asset-dependent	12–60 months

Rates indicative only. Subject to credit assessment, trading history, asset type and lender criteria. Doulton Money Limited FCA No. 814533. Not all commercial vehicle finance products are regulated. Rates correct November 2026.

Why Use an Independent Broker?

How to Apply

1Fill in the form below - takes 2 minutes
2Tell us your van, budget, and finance preference
3We'll come back with indicative terms and lender options
4Formal application once you're happy with the terms
5Funds to dealer or vendor in as little as 48 hours

Finance Options by Product

Van Models We Finance

Van Finance Lenders

Van Finance Rates

Van Finance Guides

Frequently asked questions

Can I finance a used van through DBF?

Yes. We work with lenders who fund used commercial vehicles. Lender criteria typically require the vehicle to be under 10 years old and under 150,000 miles at the start of the agreement, though this varies by lender and asset value.

Can I get van finance if I'm self-employed?

Yes. Self-employed buyers and sole traders are a large part of the van finance market. We work with lenders who accept SA302s, bank statements and accounts as income evidence. Our self-employed van finance page has more detail.

What is the minimum van value you can finance?

Most of our lenders work from £5,000 upwards for commercial vehicles. Some specialist lenders go lower. Contact us to discuss your specific situation.

How quickly can van finance be arranged?

For straightforward HP or Finance Lease on a new or used van, some lenders return decisions in 4–24 hours. Funding to the dealer can follow within 24–48 hours of approval.

Do I need a deposit?

Not always. Some lenders offer up to 100% LTV on commercial vehicles. A deposit typically reduces your monthly payment and may improve the rate. We'll advise based on your situation.