Van Finance

Van Finance with Bad Credit

Commercial van finance with bad credit, CCJs or defaults. We work with specialist lenders who look beyond credit scores. Independent broker. No obligation.

Independent brokerWhole of marketNo obligation

Get Indicative Terms

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

Have you already received terms or quotes? If so, from whom?

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

How did you hear about us?

Best time to call

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

What happens next

Fill in the form. It takes about 2 minutes.
We'll email you back with any additional questions, then match you with the right specialist for your situation.
A specialist independent broker will contact you to discuss your situation and present options.

A poor credit history doesn't automatically mean you can't finance a commercial van. Many specialist lenders assess van finance applications based on the whole picture - your current trading, the asset you're buying, the deposit you can put down, and your ability to meet payments - not just a credit score from years ago. As an independent broker, we know which lenders are most likely to say yes to your application and at what rate.

What Counts as Bad Credit?

County Court Judgements (CCJs) - satisfied or unsatisfied
Defaults on previous credit agreements
Missed or late payments on loans, credit cards or previous vehicle finance
Individual Voluntary Arrangement (IVA) - current or historical
Bankruptcy - discharged cases considered by some lenders
Low credit score with no significant adverse - often caused by thin credit file

Get Indicative Terms 0204 6211776

FAQs

Frequently asked questions

Will a CCJ stop me getting van finance?

Not necessarily. Some specialist lenders will consider applications with CCJs, particularly if the CCJ is satisfied (paid off), if it is more than 12 months old, or if the amount was relatively small. The van value, deposit and trading history all factor into the assessment.

Will applying for van finance damage my credit score further?

A soft search (which we do initially to assess your position) does not affect your credit score. A full application involves a hard search which will show on your credit file. We will only proceed to a hard search once you are ready and we have identified the most likely lender.

How much deposit will I need with bad credit?

A larger deposit reduces the lender's risk. Some lenders require 20–30% or more for adverse credit applications. We'll advise what deposit level gives you the best chance with the lenders we know.

What rate can I expect with bad credit?

Rates for adverse credit van finance typically range from 14.9% to 22.9% APR depending on the severity of the adverse credit and the strength of everything else in your application. We'll give you an honest expectation before you apply.

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Doulton Money Limited t/a Doulton Bridging Finance. FCA No. 814533. Company No. 14303203. 20 Wenlock Road, London N1 7GU. Commercial vehicle finance is not regulated by the FCA. Finance subject to status and credit assessment.