Getting started with van finance for bad credit is straightforward with Autodosh. Our process is designed to be clear and transparent, helping you to understand your options and move towards van ownership with confidence. Whether you have good credit, poor credit scores, or no credit history at all, our goal is to connect you with a suitable finance deal that matches your financial situation.
Our service is designed to give you access to a range of potential finance options, including van finance with no deposit and bad credit history. Choosing Autodosh for van finance bad credit gives you access to a service designed for transparency and flexibility.
Here’s why we stand out:
Bad credit van finance allows you to spread the cost of a new or used van over monthly payments. It is suitable for customers with past financial difficulties, such as missed payments, CCJs, or defaults.
When you apply for a loan, a lender may check your credit file with one of the three main UK credit reference agencies: Experian, Equifax, or TransUnion. These agencies will assign a credit score based on your borrowing history and past financial behaviour. This could demonstrate to a potential lender how financially reliable you may be.
Choosing the right type of van finance is important to ensure your agreement fits your budget and personal circumstances. The type of finance you select may affect your monthly payments, the total cost of the van, and when, or if, you will become the legal owner. Whether you’re looking for van finance with no deposit, HP, PCP, or something else, our lenders may have tailored solutions to suit your needs.
There are some requirements to meet to potentially improve your chances of approval with our panel of lenders:
A van priced between £4,000-£35,000.
Less than 125,000 miles and under 12 years old by the end of the agreement.
Monthly income over £1,000 (after tax).
Aged between 20-75.
A full, valid UK driving licence.
Proof of income for at least two consecutive months.
Our application process is straightforward. The lender may start with a soft credit check, which does not affect your credit score. You can review your finance options before proceeding. A hard credit check only occurs when you choose a van and agree to the terms with the lender.
You can use our finance calculator to estimate your monthly payments, total repayment, and interest rates, to help plan your finances. The interest rate and credit rates offered will depend on your financial situation, and all lenders we work with are regulated by the Financial Conduct Authority (FCA).
