Van Finance Options
Rates from 9.9% APR. Representative APR 19.2%. Smooth Car Finance is a credit broker, not a lender.
Affordable payments for your next van
If you’re looking for a van, whether for personal or business use, van finance offers an affordable way to spread the cost. Financing gives you access to a wide range of vans, including electric models that are ULEZ-compliant and environmentally friendly. Read on to learn how van finance works and why an electric van could be the perfect option for your needs.
Why finance a van?
Financing a van has become an increasingly popular choice due to its flexibility and affordability. Here’s why:
- Spread the cost: Pay for your van in manageable monthly instalments rather than a lump sum.
- Access to newer models: Finance options allow you to afford the latest vans with advanced features.
- Boost your business: If you’re using the van for work, it can help improve productivity without putting strain on your cash flow.
- Environmentally friendly options: With the rise of ULEZ-compliant electric vans, you can lower emissions and avoid additional charges.
How to get a van on finance
1. Choose your finance option
There are several ways to finance a van:
- Hire purchase (HP): Pay a deposit, followed by fixed monthly payments. Ownership transfers to you after the final payment.
- Personal contract purchase (PCP): Lower monthly payments and at the end of the term, you can choose to buy, return, or trade in the van.
- Lease (contract hire): You make regular monthly payments for the use of the van. At the end of the agreement, you return the van to the finance provider.
2. Consider deposit options
While many van finance agreements require a deposit, no-deposit van finance is available, allowing you to get on the road without an upfront payment.
3. Find the right van
Decide whether you need a traditional diesel/petrol van or an electric van. Many ULEZ-compliant electric vans are now on the market, offering benefits like:
- No ULEZ charges: Electric vans produce zero emissions, making them exempt from daily Ultra Low Emission Zone charges.
- Cost savings: Electric vans have lower running costs, and you can benefit from government incentives for electric vehicles (EVs).
- Eco-friendly credentials: Reduce your carbon footprint and appeal to environmentally conscious customers.
4. Apply for Van finance
Applying for van finance is straightforward. Most lenders will require the following:
- Proof of income or business earnings
- ID and address verification
- Bank statements
Once approved, you’ll be able to select the van that suits your needs and budget.
5. Drive your van
Once the paperwork is complete, collect your van and start enjoying the benefits of your new vehicle—whether for work or personal use.
Advantages of electric vans and ULEZ compliance
Electric vans are becoming increasingly popular due to their compliance with environmental regulations, including ULEZ.
What is ULEZ compliance?
The Ultra Low Emission Zone (ULEZ) is designed to reduce air pollution by charging vehicles that don’t meet specific emission standards. Electric vans are 100% ULEZ-compliant, meaning you can drive in ULEZ areas like London without paying daily charges.
Benefits of ULEZ compliant vans
- Save money: Avoid ULEZ charges and benefit from lower running costs.
- Tax incentives: Take advantage of grants and reduced tax rates for electric vehicles.
- Future-proof your fleet: As more cities adopt low-emission zones, electric vans ensure you remain compliant.
Why should I use Smooth Car Finance?
At Smooth Car Finance, we make it easy to finance the electric car of your dreams.
- Flexible finance options: Hire purchase, PCP and no deposit deals.
- Affordable deals: Competitive rates tailored to your budget.
- Expert guidance: We’ll help you choose the perfect EV and finance plan.
Have you got approved?
A dedicated account manager will guide you through the next steps, answer your questions, and help you find the perfect car to fit your needs.
Already have a car in mind?
No problem. Let us know and we'll aim to expedite the loan application.
Need more info before you get started?
We're here to help! Just contact us today.
Car finance loan calculator
*Please note that if you proceed with your quote, a hard credit check will be performed, which may affect your credit score.
Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37. We compare multiple lenders to help find the best rate available from our panel and offer you the best deal you're eligible for. We earn a fixed or percentage-based commission on the finance agreement, which will not affect your interest rate or total repayment amount. The full commission details will be provided in the commission disclosure document before proceeding with the finance agreement.
HOW IT WORKS
Our Process Is Simple...
Tired of complicated, time-consuming finance processes? We make it quick and straightforward with our three-step approach:
Apply and get approved
Approval takes just minutes. Complete our simple online application, we’ll instantly compare rates and aim to find the best deal for you.
Choose your car from any dealer
Whether you’ve already found your dream car or need help sourcing it, we’ll manage everything for you, from dealer communication to thorough vehicle checks, ensuring a seamless buying experience.
Hit the road in no time
Once the paperwork is sorted, it’s time to collect (or have delivered) your new car. Getting behind the wheel has never been easier.
Frequently Asked Questions
What van finance options are available?
We offer several van finance options with each option providing flexibility with payment plans, and you can choose the one that best suits your budget and needs.
Can I finance an electric van?
we offer financing for electric vans, including those that are ULEZ-compliant. Electric vans come with many benefits such as lower running costs, tax incentives, and exemption from daily ULEZ charges, making them an eco-friendly and cost-effective option.
How do I know if I’m eligible for the best finance deal?
We compare multiple lenders to find the best rate for you based on your eligibility. By completing our simple online application, we’ll instantly compare rates and aim to offer you the best deal available.
How does ULEZ compliance benefit me?
ULEZ-compliant electric vans produce zero emissions, meaning they are exempt from daily Ultra Low Emission Zone charges in areas like London. By choosing an electric van, you can avoid these charges while also lowering your running costs and reducing your environmental impact.
Can I choose any van for finance, or are there restrictions?
You can choose any van that suits your needs and budget, whether it’s a traditional diesel, petrol, or electric model. If you need assistance finding the right van, our team can help you source the ideal vehicle, ensuring it meets both your requirements and finance options.