We can provide finance for people who have had difficulties obtaining credit in the past,
if we can’t approve you, we don’t think anyone can!

Van Finance

Finding it difficult to find the right van finance?

At Refused Car Finance, we can help you get approved for van finance today. We might be car finance specialists, but we have a small number of lending packages available to you if you are looking to get a van.

Get Started

Van Finance

Am I eligible for van finance?

To be approved for finance to buy a van with Refused Car Finance you must meet the following criteria:

Been a UK resident for three or more years

Are 18 or older

Are able to prove you can afford van finance

Are not bankrupt

Have a full UK driving licence

Apply now to see if we can secure you van finance!

Is it difficult to get finance for new and used vans

As car finance is our speciality it is more difficult for us to get you approved for van finance than it is car finance. To be approved for van finance you need to be able to prove your affordability.

If you qualify, we can offer you a van loan for up to £50,000, again depending on your affordability. So whether you are looking for used van finance or a brand new van finance, we can still help you.

All you have to do is apply for finance today then once your application is fully approved, you are free to choose a van from any reputable FCA approved dealer.

Bad Credit Van Finance

Bad Credit Van Finance

When it comes to bad credit car finance, Refused Car Finance are one of the leading providers in the whole country. However, when it comes to financing a van we don’t have as many options available. Many lenders won’t approve your finance application if you have a bad credit history. Here at Refused Car Finance our team in house will work with you and our lenders to find the best match. It can be tough to get van applications approved when you have a poor credit history but as long as you can prove your affordability then we have options available for you.

If you are looking to get van finance with bad credit we would advice waiting until your credit score has improved to be in with the best chance of getting the approval you are looking for.

Refinance your van

If you currently have a van and are looking to improve your finance deal, then you should consider refinancing. Refinancing is easier and quicker than your initial finance process. The new van loan, most likely with a new lender, could reduce monthly payments, allow you to add/remove someone from your policy or lower interest rates.

All you have to do is fill out our fast van application form. From there a member of our team will give you a call within 24 hours. Once your details have been confirmed, you could have a new van finance deal within hours.

Find out more about refinancing a loan.


Guaranteed Van Finance

No company can guarantee van finance, it would be unwise to give van finance to everyone that applies, instead we work with lenders to see if we can get you a finance plan that works with your affordability. Find out more about the guaranteed finance myth.

No Deposit Van Finance

Van finance with no deposit options are available so you can get your van on the road without having to worry about getting a huge deposit together first. This option is subject to stricter rules than a van loan with a deposit as it can be seen as more risky to the lender, therefore you will typically need good credit to be approved for this.

Get Van Finance

Fill out our quick and easy application form and receive an instant decision.

Couple applying for van finance

Van Hire Purchase

✓ Low deposit and interest rates

✓ Flexible repayment terms

✓ No lump sum at the end of the term

Van hire purchase is a great option for those who wish to pay fixed monthly payments.

Been Refused Van Finance?

If you have applied for finance for your van elsewhere and been declined, we could still help you. We will take a fresh look at your application and match you up with a suitable lender. If you are unsure as to why your previous application was declined please check out our blog post Why have I been refused car finance?, these reasons also apply to van finance. All lenders have their own criteria, so just because you were declined from one lender, doesn’t mean you will be from another. If you are 18+, live in the UK, are not bankrupt and can prove your affordability, we should be able to help you.

Apply Today

Take the first step towards owning your van.

Registered with Information Commissioners Office ICO Registration Number: ZA132327

UK Car Finance Limited. Registered in England
Registered number 9397657.
Registered Office Lakeside House, 30 Northumbrian Way, Newcastle Upon Tyne, NE12 6EH

Refused Car Finance is a trading style of UK Car Finance Limited and is acting as a licensed credit broker and a lender, we are authorised and regulated by the Financial Conduct Authority, registration number 714966. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

Written quotations on request. Certain exclusions for NI residents.

Note: We cannot be held responsible for specification errors, and price errors, we use Motortrade software which is not always 100% accurate. Copyright 2017 Refused Car Finance.

Refused Car Finance can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions.

*Representative Example
Cash price – £8,500.00, Deposit – £0.00, Amount of credit – £8,500.00, Rate of interest – 16.24% per annum, Amount of interest – £6,912.00, Lender Documentation fee – £0.00, Lenders option to purchase fee – £10.00, Total charge for credit – £6922.00, First repayment – £256.70, Followed by 58 Monthly repayments of – £256.70, Final repayment – £266.70, Total amount payable – £15,412.00, Representative APR – 29.9%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 29.9% or lower

In the first 3 months of this year, UK Car Finance Ltd received 2140 unique applications, of which we were able to offer 2136 applicants a line of credit, subject to the applicant being able to provide acceptable proof of affordability, being free from insolvency and or/a supporting guarantor fitting the lenders eligibility criteria, this represented 99.8% of applicants in this period.

Rated No.1 for car finance in the North East of England collated from Google Business Reviews

Refused Car Finance Reviews

4.90 Average

151 Reviews

I could not have been more happy with the service I received from Paige Walker. Not only was she extremely efficient, helpful and successful in sorting out my car finance; she was also absolutely charming, she has a very kind manner and was positive and helpful throughout the process. I really could not have hoped to have dealt with somebody as good as Paige. She is in my view a huge asset to your company, she made everything so easy and got me a great result. A very big thank you to Paige - and to your company.

refused car finance put me at ease from the very first phone call. After being turned down by numerous other companies, I didn’t have much hope but after speaking to Jacob about my credit file or lack of, he assured me it wasn’t nearly as bad as I thought it was. Got finance sorted in less than two days with literally half the interest I was quoted after being messed around for weeks by other companies. Jacob is a real asset to RCF, he kept me up to date every step of the way and was so easy to speak to! I Could not recommend RCF enough!!

The guy (dan) was amazing really helpful got everything sorted for me super fast explaining everything what a guy he really knows his stuff can’t thank you enough thanks