We Put You In Control!
We offer a range of traditional van finance products, including Hire Purchase, Lease Purchase, Personal Contract Purchase, and Personal Loans.
Whether you're an individual or a business, financing your next van could be the perfect solution. With our financing options, you could even afford to get a newer or better-quality vehicle.
At Van Loans R Us, we put you in control! You choose the van, the dealer, and the payment plan to suit your needs.
We aim to make the financing process as simple and stress-free as possible. We understand that getting finance can be a concern. Still, we encourage our customers to get their finance in place before looking for vehicles to avoid disappointment or being swayed into a vehicle that stretches their budget too far.
How It Works?
Apply Online
Complete the online application form. We will send your application to the relevant lender(s) to ensure you get the best deal possible.
Get Your Budget
Once we have an acceptance in place we will let you know the criteria, including your budget.
Choose Your Van
Now for the fun part! You can choose your van from any reputable dealer. Simply let us know the dealer and van details.
Collect Your Vehicle
Once the paperwork has been signed we will arrange payment to the dealer so all that is left to do is collect your new van.
Our Hire Purchase and Lease Purchase monthly payment calculator lets you see an estimate of how much you’ll pay based on the amount you want to borrow, the amount of deposit you would like to put down (if any) and an estimate of your credit rating.
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What is Van Finance?
Van finance is the umbrella term for the range of options that allow you to borrow the money you need to buy a new or used van. No matter if you are using a traditional van finance product such as hire purchase or a personal loan there is a credit agreement between you and the lender. They allow you to pay for the van over a period of time with interest payable on the balance to finance.
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Why Finance A Van?
One of the main advantages of financing a van is not having to pay a large sum of money.
In reality, we don't all have access to large sums of money to pay for a van in cash or you would rather preserve your working capital.
Financing allows you to spread the cost over many months making it more affordable.
Another advantage is being able to get a better van. Due to being able to pay for the van over many months, you may find it within your budget to get a more expensive better quality van. Getting a better quality van could reduce expenses in the long run.
Check our our blog post for more advantages to financing a vehicle.
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How Does A Lender Decide How Much I Can Borrow?
ButtonA lender decides how much they will let you borrow by doing what is called an affordability check. Generally, they will review how much you earn (income) and how much you spend on regular payments such as mortgage/rent and bills. The more disposable income you have the more likely you are to be able to afford a van repayment.
Van finance is a big commitment that can last for many years, affordability checks can help ensure that a monthly van repayment won't lead you into debt or make it hard for you to cover other expenses.
Asking affordability questions is part of being a responsible lender, a lender wants you to be able to keep to the monthly repayments so will never lend you more money that you can afford to pay back.
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Why Choose Van Loans R Us?
At Van Loans R Us we put you in control!
By getting your finance first you can go into any reputable dealer with a budget you can ensure you get the most of.
We are a finance broker and not a lender. As a broker, we work on your behalf to find you the best van finance option by acting as a middle man between you and one of our many finance providers. We have a carefully selected panel of over 30 lenders who cater to ALL circumstances to ensure you are offered the best possible finance option.
You will be assigned a dedicated team member with a wealth of knowledge in both the automotive and finance industries to guide you through the entire process and tailor the right finance products for you.
You wouldn't expect an estate agent to provide you with a mortgage quotes, and you should follow the same principle when buying a van. A van dealership won't have the breadth of knowledge or expertise to give you the choice and flexibility when it comes to van finance.
This is where Van Loans R Us excel, we have over 50 years of experience in the automotive and finance industry, and our commitment to service ensures all of our clients are treated fairly. We endeavour to help everyone that contacts us and provide the best possible level of service.
At Van Loans R Us getting your finance first puts you in the driving seat!