Bad Credit Van Finance

bad credit van finance

Rates from 29.7% APR
40.9% Representative APR -
Subject to status and affordability

Are you looking to finance a van but have bad or poor credit? We could help you secure the finance you need.

We specialise in helping people secure finance who may have a low credit score. We could help those with bad credit obtain van finance.

At Go Car Credit, we believe that buying a van should be easy for everyone and that bad or poor credit shouldn’t stand between you and your new van you need for work.

We could offer you a van loan for up to £15,000, but this amount will depend on your affordability. We will work with you to find a suitable solution to suit your budget.

Once approved for finance with us you can then look for a van within your credit limit, that suits your monthly budget.

Applying for van finance online couldn’t be easier if you have experienced bad credit in the past. You’ll receive a fast decision and our friendly team will give you expert guidance and support every step of the way to ensure this process is smooth and simple.


Representative example – Total amount of credit £9,000, annual interest rate 21.75% (fixed), charge for credit £10,092.32 (£9,787.32 interest, £295 admin fee and £10 option to purchase fee), total amount payable £19,092.32. Loan term of 60 monthly instalments, 59 payments of £318.04 and 1 final instalment of £328.04. 40.9% Representative APR – Subject to status and affordability


Can I get van finance if I have bad credit?

If you have experienced bad credit in the past, we could help you secure finance for your new van and ensure you have the correct vehicle for work.

Bad Credit van finance is intended for customers with a poor credit history to get finance. We provide hire purchase van finance. Hire Purchase could be a suitable form of finance for people who are struggling to get other forms of credit such as personal loans, people with bad credit as well as people who do not want to pay cash for a vehicle.

Hire purchase could be a convenient way to pay for a vehicle based on budget and credit profile so you can get affordable monthly payments that suit your financial circumstances.

Choice of vehicle is an important part of the van finance application if you have bad credit. We would suggest you think about the costs associated with your choice of van such as fuel, insurance, tax, MOT, servicing and maintenance costs, as these will all have an influence on the affordability of the vehicle.

Also try and think about the vehicles core purpose and what kind of van you will need to carry out your work. The size of the van is an important factor to consider, try and think about the uses of it over the next 3 years to ensure you are getting the right one.


Can I get van finance if I am self-employed?

We understand that having access to a van can be essential for your work and running your own business if you are self-employed. Whether you’re a trades person, such as a builder, plumber or electrician, and need a van to carry your vital tools for work we could help you secure finance for your new van and ensure smooth running of your business.

We understand that not having a reliable monthly income from self-employment can make it more difficult to stick to repayment schedules, bringing down your credit score and making lenders a little caution about providing finance.

We are here to help, and you could still get self-employed van finance with Go Car Credit and it could even help improve your credit score!

We will review your application for van finance on an individual basis because we appreciate that every situation is different, especially with self-employed income. As a general rule, however:

We may ask you for up to three months’ worth of bank statements as proof of your income. We’ll then divide the total figure by three to get an average income and set a credit limit.

We don’t accept tax returns as proof of income or cash in hand payment. It must go into a UK bank account in your name. We can accept proof of income into a bank account in the name of your spouse or partner, but they’ll need to be added on to the finance application for it to be considered for our underwriting team.



hand phone happy car


happy person car


What is your lending criteria for bad credit van finance?

As a responsible and ethical lender, it is important that we make sure our customers are making the correct decisions for their financial circumstances and also ensure that our customers are choosing the right vehicles. Bearing this in mind we do have vehicle criteria and applicant criteria that will need to be met to ensure the application is suitable for our finance product.

Take a look at the below criteria you will need to meet to make an application for van finance with us and the vehicle criteria to think about when choosing your perfect van.

  • Loan amount: £3,000 to £15,000 subject to status and affordability
  • Loan length: 24 – 60 months
  • Max mileage of 110,000 at the start of a 36-month agreement.
  • Max mileage of 100,000 at the start of a 48-month agreement.
  • Max mileage of 90,000 at the start of a 48+ month agreement.
  • Under 80,000 miles at start of agreement for 48+ Month Agreement
  • You must be aged 25 or over
  • You must have lived in the UK for 3 years or more
  • You must have £1500 or more per month income going into a bank account with your name on
  • You must have a full driving licence
  • You must not in an active bankruptcy, IVA or debt relief order

If you meet the above criteria, we can consider you for a car loan and you should apply today!


How our van finance works

1.Apply for van finance – Apply for van finance via our website, complete our simple 2 minute car finance application form and a Sales Agent will be in contact to confirm a few key details.

2.Get a van finance decision – We will submit your application to our underwriting team for evaluation. Once provisionally approved for our van finance we will provide you with a credit limit.

3.Choose your van – We will help you find your perfect van suitable to your work needs through one of our approved van dealers. The majority of our dealers offer same day drive away, which means you could be driving away your new van in a matter of hours. We may ask you to provide some documents to support your application.

4.Sign your documents – Sign the paperwork online and then it’s time to drive away your new van.


Why choose Go Car Credit

Regulated: We are authorised and regulated by the Financial Conduct Authority (FCA) and are committed to achieving fair outcomes for all of our customers.

Trusted: Our customers are so happy with our car finance process they have rated us ‘excellent’ on the independent customer review site Trustpilot!

Supportive: We understand finance can be complicated. Our friendly team are here to support you through the entire process.

Fair: We don’t judge. No matter what has happened in the past with your credit profile or personal circumstances, we will review your application on an individual basis to ensure we fully understand your current situation.

Straightforward: Applying for car finance with bad credit can feel intimidating and complex. We’ll communicate as clearly as possible to ease you through the process and ensure you get the right finance package for you.

We provide bad credit car finance across the UK through a network of trusted car dealers. Apply online, it takes less than 2 minutes.

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