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? Have bad credit or been refused elsewhere?

At Refused Car Finance, even if you have poor credit, been refused previously or are unemployed, we will still consider your application and work with our specialist lenders to try and get you approved.

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Van Finance

Am I eligible for van finance?

We help thousands of customers who have been declined finance for a van. We can accepts customers who have the following attributes:

  • Previously declined
  • Missed payments
  • Self-employed
  • Unemployed
  • CCJs
  • Defaults
  • Had a car repossessed
  • Armed forces
  • Taxi driver
  • Not on the electoral roll

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

Finance for new and used vans

We can offer you a van loan for up to £50,000, depending on your affordability. So whether you are looking for used van finance or a brand new van finance, you can rely on us.

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

Many lenders won’t approve your finance application if you have bad credit. Here at Refused Car Finance we have a dedicated panel of lenders that specialise in accepting bad credit applications. Our team in house will work with you and our lenders to find the best match.

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 car 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. That said, because we work with specialist lenders, we were able to approve 98.4% of finance applications in 2016. Find out more about the guaranteed finance myth here.

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. However, many of our customers do get accepted on the no deposit options, even with bad credit.

Get Van Finance

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

Apply Now
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.

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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.

Apply Now

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

4.92 Average

109 Reviews

These people at this company most certainly now how to help when u need helping and get the job done talk about going the extra mile omg they went the extra 100 miles for me found the car i wanted with the spek i asked for would i recomend this company and these peoe let me just say u would be a fool to go to anywere else this firm is miles ahead of the nearist competitor simply miles. Thanks guys from me chris R manchester

They were a very big help finding us car finance would highly recommend to anybody

Jacob Carr, I can't thank you enough for the excellent service kindness politeness...you are excellent at what you do....there are people that do their job for the sake of food doing it....you are NOT one off them...you do your job with a passion & enthusiasm... With made my experience with yourself truly Wonderful... Thank you to All Regardless Arbresha... XXx