Van Finance

Used Van Finance

Used van hire purchase and finance lease from an independent broker. We work with lenders who fund second-hand commercial vans. No obligation enquiry.

Independent brokerWhole of marketNo obligation

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Get indicative terms - free, no obligation

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Type of van - make, model, approximate year

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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.

Most van finance content focuses on new vans - but the majority of UK commercial van transactions are used. If you are buying a used Transit, Sprinter, Transporter or any other commercial vehicle, Doulton Bridging Finance works with lenders who specialise in second-hand vehicle finance. We arrange hire purchase and finance lease for used vans, typically from 2015 onwards and under 150,000 miles.

What Affects Used Van Finance Rates?

Age of vehicle: newer used vans attract better rates
Mileage: lower mileage improves lender appetite and rate
Asset value: higher value deals often attract more competitive rates
Credit profile: trading history, company accounts, any adverse credit
Deposit: a larger deposit reduces the loan-to-value ratio and can improve the rate
Term: shorter terms generally attract better rates but increase monthly payments

Indicative Used Van Finance Rates

Finance Type	New Van Rate	Used Van Rate	Typical Term
HP - 2020 onwards, strong credit	-	9.9% – 12.9% APR	24–60 months
HP - 2017–2019, standard SME	-	12.9% – 16.9% APR	24–48 months
HP - older / higher mileage	-	14.9% – 22.9% APR	24–36 months
Finance Lease - used	-	8.5% – 16.9% APR	24–48 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.

Get Indicative Terms 0204 6211776

FAQs

Frequently asked questions

How old can the van be to qualify for finance?

Most mainstream lenders require the van to be under 10 years old at the end of the finance term. Specialist lenders may consider older vehicles with strong residual value. Contact us to discuss a specific vehicle.

Can I get finance for a van from a private seller?

Most HP lenders require the vehicle to come from a registered dealer, though some will consider private purchases with an HPI check and vehicle inspection. Auction purchases can also be funded with the right lender.

Can I get used van finance with bad credit?

Yes, though the rate will reflect the increased risk. We work with specialist lenders who assess each case individually. See our van finance bad credit guide for more detail.

Do I need an HPI check before applying?

We strongly recommend an HPI check on any used vehicle before you buy - this confirms the van has no outstanding finance, hasn't been written off, and isn't stolen. We can advise on this process.

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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.