Bad credit van finance

Are you looking for van finance with bad credit? Need a van loan but worried you have a poor credit history? We’ll help guide you through the entire van finance process.

Bad credit van finance

Are you looking for van finance with bad credit? Need a van loan but worried you have a poor credit history? We’ll help guide you through the entire van finance process.

Missing a payment can be stressful enough so we don’t charge late fees.

We pride ourselves on providing a service that our customers love.

Keeping up with your payments can help improve your credit score.

Van loans with bad credit history

We are bad credit van finance specialists and work hard to make sure our customers get the right van for them. We only use a soft search at application, which means it won’t affect your credit score, helping you secure a bad credit van loan and move forward on a better road ahead.

But why choose us?

• We’re specialists in poor credit van finance
• We accept IVAs
• We accept CCJs
• Consider self-employed applications

Van loans with bad credit history

But why choose us?

• We’re specialists in poor credit van finance
• We accept IVAs
• We accept CCJs
• Consider self-employed applications

Bad credit van finance to help keep you moving

We understand the importance of having a van that is reliable and trustworthy, but most importantly a van that will help you get your job done. With our selection of broad finance options, we should be able to help you find the right van.

We can provide van finance to people with poor credit as long as it meets the following criteria:

Financing a van from £4,000 – £25,000
Maximum of 120,000 mileage on the vehicle
No older than 12 years at the end of the agreement

To get bad credit van finance you’ll need:

Monthly earnings over £1,000 (after tax)
To be aged between 21 and 70
A full valid UK driving licence
2 consecutive months of payslips or bank statements

Bad credit van finance to help keep you moving

We can provide van finance to people with poor credit as long as it meets the following criteria:

Financing a van from £4,000 – £25,000
Maximum of 120,000 mileage on the vehicle
No older than 12 years at the end of the agreement

To get bad credit van finance you’ll need:

Monthly earnings over £1,000 (after tax)
To be aged between 21 and 70
A full valid UK driving licence
2 consecutive months of payslips or bank statements

Apply for a bad credit van loan

As bad credit van finance specialists, we don’t discriminate based on your circumstances and believe that everyone should have access to a good vehicle they can rely on. We specialise in providing van loans to customers with poor credit history, so click below to get started or find out more about our application process.

After you apply online, we carry out a soft credit search, which doesn’t leave a footprint on your credit file. This will tell us almost instantly whether you’ve been approved, approved in principle or declined.

If your application is approved, you will follow our simple process to get you into a new van:

1. Find the right van for you. You can use our vehicle finder tool to help you do this.

2. Then provide us with proof of identity

3. We will carry out affordability checks

4. You will then test drive your new vehicle

5. Your contract will be approved

6. We pay the dealer, then you can collect your new vehicle and drive away!

Apply for a bad credit van loan

If your application is approved, you will follow our simple process to get you into a new van:

1. Find the right van for you. You can use our vehicle finder tool to help you do this.

2. Then provide us with proof of identity

3. We will carry out affordability checks

4. You will then test drive your new vehicle

5. Your contract will be approval

6. We will pay the dealer, then you can collect your new vehicle and drive away!

Van finance calculator

To use our van finance calculator online we’ll just need to know how much you are wanting to borrow and what sort of repayment term you are looking for. Don’t worry though, if you aren’t quite sure what you are looking for yet, you can still make an application with us online today and we can help guide you through the rest.

Play around with the van finance calculator below to work out what your van loan could look like. Once you’re happy, submit an online application for a quote and we will tell you if you’re accepted, accepted in principle or declined.

Van finance calculator

What your van loan could look like

On average our customers rate our service 4.4 out of 5. (July 2021)

What your van loan could look like

Helping people like you

As the UK’s leading lender of specialist car, van and motorbike finance, we’ve been supporting thousands of people up and down the country with van finance for many years. We’re motivated by our focus on achieving great customer results, and aim to make financing a van as simple and seamless as possible.

From Manchester to Portsmouth or Newcastle to Cardiff, we could help you. Learn more about finance in your area, and see which dealerships are rated best for their customer service near you.

Helping people like you

From Manchester to Portsmouth or Newcastle to Cardiff, we could help you. Learn more about finance in your area, and see which dealerships are rated best for their customer service near you.

Frequently asked bad credit van finance questions

How to apply for bad credit van finance

You can apply for bad credit van finance by getting a quote today. All we’ll need to know to start with is your name, address and employment details including your salary. From this we’ll be able to let you know what amount we could lend to you, as well as if you have been approved, approved in principle or declined.

Our application process is simple, but its good to understand the different stages including when is good to start test driving new vans.

Can I get guaranteed van finance?

No, unfortunately guaranteed van finance is a myth and it doesn’t exist. This is because a lender will never be able to guarantee you finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get van finance.

How do I get approved for a van loan?

You will only be approved for a van loan, if you meet the lending criteria of the lender and you pass their affordability and credit checks. We’ve detailed our application process to walk you through the steps from application to driving away with your new vehicle.

Can I get van finance with bad credit?

Yes, you can. We are bad credit van finance specialists who support thousands of customers each month with their bad credit by getting them a vehicle they need. We’ll help you to move forward onto a better road ahead.

If I apply for van finance will it affect my credit score?

Yes, it can but applying online will not affect your credit score. When you ask for a quote, only a soft search will be done on your credit file until you decide to proceed with the loan and contracts are drawn up for you to sign. At this point a hard search will be done on your credit file which will affect your credit score.

What credit score do you need to finance a van?

No matter what your credit score is, there will be a lender out there that will be able to help you finance a van.

Moneybarn support those with bad credit to move forward onto a better road ahead. So, if your credit score is less than perfect take a look at what we could lend you by getting a quote today. We will only do a soft search on your credit file when you ask for a quote, so this won’t affect your credit score.

Can you get van finance when self employed?

Yes, you can. We will accept your van finance application if you are self-employed. Your income before tax must be at least £1,300 and we’ll need to see proof of your income which can include your most recent submitted self-assessment tax return.

How to apply for bad credit van finance

Our application process is simple, but its good to understand the different stages including when is good to start test driving new vans.

Can I get guaranteed van finance?

How do I get approved for a van loan?

Can I get van finance with bad credit?

If I apply for van finance will it affect my credit score?

What credit score do you need to finance a van?

No matter what your credit score is, there will be a lender out there that will be able to help you finance a van.

Can you get van finance when self employed?

Buying your next van

We want to make sure you purchase a reliable vehicle, that doesn’t break the bank. That’s why we’ve put together this helpful guide on buying a van with bad credit.

Van finance for self-employed

Need a van but can’t get one due to poor credit? We will consider offering you van finance if you’re self-employed and have bad credit. Even if other lenders have rejected your application before, buying a van with bad credit is possible with Moneybarn.

Our van finance application process

It’s important to completely understand the van finance agreement that you could be entering – find out more about how our van loans work, and how a conditional sale agreement works.

For a better road ahead

Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.

Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.

Moneybarn’s VAT registration number is 180 5559 52.

Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)

Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)

Representative example: £10,248 repayable over 58 months. 57 monthly payments of £326.96. Representative 31.9% APR. Total amount payable is £18,636.72. Subject to affordability and you could risk losing your vehicle if you do not keep up payments.