My Moneybarn Contact us Car finance Motorbike finance Van finance Understanding bad credit FAQs and guides About us Start a new quote 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. Get a quote 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 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 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! Get a quote today 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. What your van loan could look like Purchase Price? £4,500.00 £5,000.00 £5,500.00 £6,000.00 £6,500.00 £7,000.00 £7,500.00 £8,000.00 £8,500.00 £9,000.00 £9,500.00 £10,000.00 £10,500.00 £11,000.00 £11,500.00 £12,000.00 £12,500.00 £13,000.00 £13,500.00 £14,000.00 £14,500.00 £15,000.00 Repayment term? 36 months 37 months 38 months 39 months 40 months 41 months 42 months 43 months 44 months 45 months 46 months 47 months 48 months 49 months 50 months 51 months 52 months 53 months 54 months 55 months 56 months 57 months 58 months 59 months 60 months Your credit score is Poor Fair Good Excellent Summary Monthly payment: £000.00 Total to repay: £00,000.00 Calculated APR: 00.0% Representative 31.9% APR Get a quote On average our customers rate our service 4.4 out of 5. (August 2021) 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. Learn more 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? 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? 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. Buying your next van 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. Self-employed van finance 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. Van finance application process 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) © Copyright2021 Moneybarn Limited Sitemap Accessibility Complaints Data Modern Slavery Act Terms & Conditions Lending code Privacy Policy Cookie Policy Glossary Careers Blog .facebook{fill:#fff;} .twitter{fill:#fff} .linkedin1,.linkedin2{fill:#fff} Representative example: £10,423 repayable over 57 months. 56 monthly payments of £335.42. Representative 31.9% APR. Total amount payable is £18,783.52. Subject to affordability and you could risk losing your vehicle if you do not keep up payments. Cookies We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners. 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