Vans on finance

Whatever your trade, be it plumber or gardener, we understand the importance of finding the best van for your small business needs. Buying your next van using a van loan will mean you can split the cost of the van into manageable monthly payments.

Whatever your trade, be it plumber or gardener, we understand the importance of finding the best van for your small business needs. Buying your next van using a van loan will mean you can split the cost of the van into manageable monthly payments.

x.xx% APR Representative

If you choose to take your finance and shop on our marketplace for your new wheels, we offer a wide range of used vans. Use our handy filters to search for vans based on your preferences. Whether it’s an electric or automatic van you’re after, we have a range of options to choose from. If you’re unsure what you’d like, you can simply filter according to what’s closest and take it from there.

If you choose to take your finance and shop on our marketplace for your new wheels, we offer a wide range of used vans. Use our handy filters to search for vans based on your preferences. Whether it’s an electric or automatic van you’re after, we have a range of options to choose from. If you’re unsure what you’d like, you can simply filter according to what’s closest and take it from there.

How does it work?

There are several different kinds of car or van finance products available in the UK. It’s important you make the right choice for your circumstances, so be sure to do your research before deciding on a finance package.


Oodle offers an unsecured personal loan (UPL) product, but we’ve outlined two of the most popular finance products below for comparison: personal contract purchase (PCP) and personal contract hire (PCH).  

pcp
pcp

Personal contract purchase

With PCP agreements, you put down an initial deposit, and then spread the remaining cost over a prearranged period, just as you would with a loan agreement. You have full use of the van during the agreement, but it still belongs to the lender. At the end of the PCP term, you have three options: you can either pay a usually significant lump sum – known as a balloon payment – to own the van, or hand it back (there may be charges for excess mileage and excessive wear and tear).

 

Alternatively, you can use the value remaining in the current van to put towards your next vehicle – this is known as part exchange.  Here are some key points to be aware of:  


  • The PCP agreement covers only the projected depreciation of the vehicle, so the monthly payments are usually smaller than other types of finance.  

  • At the end of the PCP agreement you can choose to hand the van back, buy it, or part-exchange it to help finance your next one.  

  • It’s important to be aware that if you are planning to buy the vehicle at the end of the PCP agreement the final cost it likely to be greater than a car loan overall, potentially wiping out the benefits of smaller monthly payments. 

  • With PCP there may be charges for unreasonable wear and tear and excess mileage.  

Personal contract hire

PCH is a popular way to ‘lease’ a van. With personal contract hire agreements, you normally pay an initial rental upfront – you then lease the van for a set period. Unlike PCP you don’t have the option to purchase the vehicle at the end of the agreement; at the end of the agreement you simply return the van. There may be additional charges for excess mileage and/or unreasonable wear and tear. 

van
van
van
van

Vans on finance if you’re self-employed

Vans on finance if you’re self-employed

Vans on finance if you’re self-employed

We understand that every penny counts. It’s important to find the right van loan to support your small business needs.

If you’re a sole trader in need of a single vehicle, Oodle could be the answer.


By completing our online car finance application you’ll know in minutes whether we can help support your business in financing and even helping you find your next van. (Representative APR XXX)


Unfortunately, we can’t offer finance to small-to-medium enterprises (SMEs) or larger companies as we don’t provide finance for fleets.

We understand that every penny counts. It’s important to find the right van loan to support your small business needs.

If you’re a sole trader in need of a single vehicle, Oodle could be the answer.


By completing our online car finance application you’ll know in minutes whether we can help support your business in financing and even helping you find your next van. (Representative APR XXX)


Unfortunately, we can’t offer finance to small-to-medium enterprises (SMEs) or larger companies as we don’t provide finance for fleets.

We understand that every penny counts. It’s important to find the right van loan to support your small business needs.

If you’re a sole trader in need of a single vehicle, Oodle could be the answer.


By completing our online car finance application you’ll know in minutes whether we can help support your business in financing and even helping you find your next van. (Representative APR XXX)


Unfortunately, we can’t offer finance to small-to-medium enterprises (SMEs) or larger companies as we don’t provide finance for fleets.

Car finance thats actually simple

Car finance thats actually simple

Car finance thats actually simple

Whether you’re after your dream car, thinking about switching to electric, or just need a bit more space in the boot, an Oodle Car Loan could help you cover the cost.

Fast application - money
in your account next
working day

Say goodbye to long, confusing applications. Our online apllication is a breeze, and if you’re approved, you’ll get the money the next day.

Your car, your rules, its yours from day one.

Whatever car you choose, its yours right from the start, ready for you to add all the bells and whistles you want. You’ll just need to make your monthly payments and when you’re done, your done.

Shop anywhere or choose a trusted dealer.

You’re free to shop anywhere but if you choose one of our trusted dealers, relax. Every vehicle our marketplace come with at least 6 months MOT and a service in the last 12 months.

Excellent rated,
dedicated UK team.

Don’t just take our word for it.  With over 10,000 reviews and an Excellent rating, our Trustpilot reviews are full of happy first-time and returning customers

Calculate monthly car finance payments

Calculate monthly car finance payments

Calculate monthly car finance payments

The world of car finance can be a confusing one – but we’re here to help simplify things. Use our car finance calculator to help you decide whether car finance could be a good option for you, without affecting your credit rating. The calculator will give you a good idea of what your monthly payments could look like based on how much you’re looking to borrow.


Don’t worry, you’re not committing to anything; this tool is simply a useful guide to help you figure out a budget that suits you best, before you complete a full application for car finance.

The world of car finance can be a confusing one – but we’re here to help simplify things. Use our car finance calculator to help you decide whether car finance could be a good option for you, without affecting your credit rating. The calculator will give you a good idea of what your monthly payments could look like based on how much you’re looking to borrow.


Don’t worry, you’re not committing to anything; this tool is simply a useful guide to help you figure out a budget that suits you best, before you complete a full application for car finance.

The world of car finance can be a confusing one – but we’re here to help simplify things. Use our car finance calculator to help you decide whether car finance could be a good option for you, without affecting your credit rating. The calculator will give you a good idea of what your monthly payments could look like based on how much you’re looking to borrow.


Don’t worry, you’re not committing to anything; this tool is simply a useful guide to help you figure out a budget that suits you best, before you complete a full application for car finance.

With a personal loan of £10,000 over 12 months and an APR of 13%, the amount payable would be £350.00 a month, with a total cost of credit of £3,004.80 and the total amount payable of £13,54.80.

The total amount payable includes a £50 documents fee.

How much do you want to borrow?

How much do you want to borrow?

£Min

£Min

£Max

£Max

Length of term (months)

Length of term (months)

MinTime

MinTime

MaxTime

MaxTime

Monthly repayments

Monthly repayments

£218.58

£218.58

£218.58

Total borrowed

Total borrowed

£10,000

£10,000

Total cost of credit

Total cost of credit

£3,2956

£3,2956

This is an illustrative example to help you estimate your funding; actual amounts may vary

This is an illustrative example to help you estimate your funding; actual amounts may vary

FAQs about vans on finance

Will I be eligible for a Van loan?

Will I be eligible for a Van loan?

Will I be eligible for a Van loan?

Can I get a Van loan if I’ve had bad credit in the past?

Can I get a Van loan if I’ve had bad credit in the past?

Can I get a Van loan if I’ve had bad credit in the past?

Are larger businesses eligible for Oodle Van loans?

Are larger businesses eligible for Oodle Van loans?

Are larger businesses eligible for Oodle Van loans?

Read next

Read next

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