Loading...
Vehicle Finance
Get Your Work Van on the Road
Finance your work vehicle with flexible terms and competitive rates. From vans to trucks, we specialise in getting tradesmen mobile.
Rates from 6.9% APR
Representative example: £25,000 over 48 months at 8.9% APR representative
4hr Decisions
0% Min Deposit
4.9/5 on Google
£100K
Max Finance
0%
Min Deposit
5yrs
Max Term
Why Choose Our Vehicle Finance?
We specialise in vehicle finance for tradesmen with flexible options to suit your business
4-Hour Decisions
Get a decision on your vehicle finance within 4 hours of application
Rates from 6.9% APR
Competitive rates from our panel of specialist trade lenders
Flexible Deposits
Choose from 0% to 20% deposit - whatever suits your cashflow
Own the Vehicle
With HP finance, the vehicle is yours at the end of the agreement
What We Finance
From everyday essentials to specialist equipment, we have finance options for every need
Vans
- Ford Transit
- Mercedes Sprinter
- VW Transporter
- Renault Trafic
- Citroen Berlingo
Pickup Trucks
- Ford Ranger
- Toyota Hilux
- Nissan Navara
- Mitsubishi L200
- VW Amarok
Commercial Vehicles
- Box trucks
- Flatbed trucks
- Luton vans
- Dropside trucks
- Tipper trucks
Specialist Vehicles
- Cherry pickers
- Refrigerated vans
- Tool storage vans
- Mobile workshops
- Welfare units
Understanding Your Options
Different finance types suit different needs. Here's what you need to know.
Hire Purchase (HP)
You pay fixed monthly instalments and own the vehicle outright once all payments are made. The vehicle is used as security for the loan.
You own the asset at the end
Tax Benefits:
Claim capital allowances on the full purchase price. Interest payments are tax-deductible as a business expense.
Best For:
Tradesmen who want to own their vehicle outright and claim tax relief on the purchase.
Lease Purchase
Similar to HP but with lower monthly payments and a larger final "balloon" payment at the end of the term.
You own the asset at the end
Tax Benefits:
Capital allowances claimable. Interest is a deductible expense.
Best For:
Those who want to own the vehicle but need lower monthly outgoings during the term.
Contract Hire (Leasing)
You rent the vehicle for a fixed period with fixed monthly payments. Return the vehicle at the end - you never own it.
Asset returned at the end
Tax Benefits:
Monthly payments are 100% tax-deductible as a business expense if used solely for business.
Best For:
Tradesmen who want a new vehicle every 2-4 years and prefer not to deal with selling.
What Tradesmen Say About Us
4.9/5 from 500+ reviews on Google
"Needed to replace my Transit sharpish after it died. Got approved in 3 hours and had the new van by Friday. The monthly payments actually worked out less than I expected."
Dave M.
Plumber • Birmingham
DM Plumbing Services
Financed £28,000"First time getting finance as a new business. Other places turned me down but these guys looked at my order book and got me approved. Brilliant service."
Chris T.
Electrician • Manchester
CT Electrical
Financed £22,000"Upgraded from a small van to a proper Sprinter with racking. The HP option means I own it outright in 4 years and my accountant loves the tax benefits."
Steve R.
Carpenter • Leeds
S.R. Joinery
Financed £35,000Ready to Get Started?
Get a free, no-obligation quote in minutes. Our team of trade finance specialists will find the best vehicle finance deal for your business.
No impact on your credit score for initial quote
Competitive rates from our panel of lenders
Dedicated trade finance specialist assigned to you
Support throughout the entire application process
Representative Example:
Borrow £25,000 over 48 months. Monthly payment: £590. Total repayable: £28,320.8.9% APR representative.
Vehicle Finance Quote
Finance vans, trucks & work vehicles
Frequently Asked Questions
Got questions about vehicle finance? We've got answers.
Yes, we finance both new and used vehicles. For used vehicles, we typically require them to be under 7 years old at the end of the agreement with reasonable mileage. Many tradesmen prefer quality used vans as they offer better value.
We offer flexible deposit options from 0% to 20%. A larger deposit typically means lower monthly payments and may secure better rates. However, many tradesmen prefer the 0% option to preserve working capital.
Vehicle finance terms range from 12 to 60 months. Longer terms mean lower monthly payments but more interest overall. Most tradesmen choose 36-48 months as a good balance.
With Hire Purchase (HP), you own the vehicle after the final payment and can claim capital allowances. With leasing (Contract Hire), you return the vehicle at the end but monthly payments are fully tax-deductible. HP is better if you want to own the van; leasing suits those who want a new vehicle every few years.
Yes, we specialise in financing for self-employed tradesmen. We look at your trading history and ability to repay rather than just employment status. Most self-employed applicants need 6+ months of trading history.
We consider all credit histories, including those with past issues. While a good credit score helps secure the best rates, we have lenders who specialise in helping tradesmen with less-than-perfect credit. We look at the full picture, not just a score.
Yes, many of our finance options allow early settlement if you want to upgrade. There may be a settlement fee, but we can often roll any remaining balance into the new agreement, making it easy to upgrade when your business grows.
With HP: you own the van outright and can keep using it, sell it, or part-exchange for a new one. With Lease: you return the van (meeting fair wear and mileage terms) and can start a new agreement on a newer vehicle.
Yes. With HP, you can claim capital allowances (up to 100% in year one for new commercial vehicles under the Annual Investment Allowance) plus deduct interest as an expense. With leasing, 100% of payments are deductible if used for business. Consult your accountant for advice specific to your situation.
Once approved and paperwork is signed, funds are typically released within 24-48 hours. If buying from a dealer, they can usually release the vehicle within a few days of receiving payment.