Van finance calculator
Looking for van finance? Use our quick van finance calculator to estimate how much you could borrow, what your monthly repayments might look like, and the total cost of credit.
How does the van finance calculator work?
Our van loan calculator works by giving you an estimate of what your monthly payments could look like based on the amount you want to borrow, your preferred loan term, and your credit profile. It uses a representative APR for each credit band to give you an idea of potential costs before applying. You can also get a personalised quote, valid for 28 days, with no impact on your credit score.
How do I use the van finance calculator?
Using the Oodle van finance calculator is simple. Just select your credit profile from one of the options provided then use the slider to select how much you’d like to borrow (you can manually enter the exact amount too) and how long you’d like to repay the loan back. The calculator will then show your estimated monthly repayments and total repayable amount. It’s a quick, no-obligation way to check if van finance could suit your budget.
Your van, your rules
If you choose van finance with us, you’re free to shop for your van wherever suits you best, giving you the flexibility to choose from dealerships, private sellers, or even online marketplaces. This means you can focus on finding the right van for your needs and budget, without being tied to a specific seller or location.
Van finance made easy
We aim to provide a simple experience and instill confidence from the application to final payment and beyond. See what our customers have to say about their van finance experience with us.
Decided to purchase a van on finance and amazingly this company made it so easy. No problems - the people were always happy to help throughout the process.
Graeme
Easy company to deal with. Sorted my finance out at the weekend and collected van Monday morning
Paul Garrett
Incredible service. I was in my new van in just a few days. Not a single problem
Sean Matwiy
Compare your van finance options
Typically, there are a few ways to finance a van. Each option comes with its own advantages and disadvantages. The best choice for your car finance will depend on your circumstances.
Van loan
A van loan is a financing option where you borrow a lump sum of money to buy a van and repay it through monthly instalments, but you’ll own the van outright. This provides flexibility as you can buy from wherever you choose and sell anytime. While no upfront deposit is required, it’s important to note that the interest rate and monthly payments can be higher than with other van finance options.
Hire purchase
Hire purchase (HP) is where you make a regular monthly payment for a van with a fixed interest rate – meaning you know exactly how much you are paying every month. The deposit can be flexible or even not required at all. The van is owned by the lender until you pay the last monthly instalment and the option to purchase fee.
Personal contract purchase
Personal contract purchase (PCP) allows you to buy a van through fixed monthly instalments, like hire purchase. PCP tends to have lower monthly payments as you don't have to pay the van's total value. But should you decide to keep the van at the end of the agreement you will need to pay a substantial ‘balloon payment’ to purchase it outright.
Personal contract hire
Personal Contract Hire (PCH) is a flexible leasing option that lets you hire a van for a fixed term with manageable monthly payments and an upfront rental fee. You get full use of the vehicle during the lease, then simply return it at the end - there’s no option to buy, making it ideal if you prefer driving the latest models without long-term ownership.
Whether you’re after your dream van, thinking about switching to electric, or just need a bit more space, an Oodle Van Loan could help you cover the cost.