What makes the whole process feel less like hard work
Finance matched to your budget
We look at how you want to spread the cost before suggesting a route. That helps you choose a deal that feels manageable month after month.
Straight answers from the start
We explain deposits, VAT, and monthly costs in plain language. You can compare options without second-guessing the small print.
Vehicle sourcing and funding together
We help you find the right van as well as the right agreement. That saves you time and keeps the whole purchase moving in one direction.
A simpler way to finance your next van
Van finance can help you spread the cost of a new commercial vehicle rather than paying the full vehicle cost upfront. With options designed around different budgets and manageable monthly payments, you can choose an approach suited to your business requirements.
Hire Purchase and Lease Purchase are common business finance options and can provide practical ways to upgrade your business vehicle, replace an existing van or expand your commercial vehicle fleet. Finance can also give you access to newer vans and specifications while helping you keep monthly vehicle costs predictable.
With access to major UK van manufacturers and trusted UK suppliers, Van Broker Scotland can help you source a suitable van and consider the finance options available. You can also explore our competitive van deals alongside suitable finance options.
Throughout the process, we provide honest, independent advice, clear and transparent pricing and personal support from your initial enquiry through to the purchase.
Why finance your van?
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Spread the cost of your new commercial vehicle
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Avoid paying the full vehicle cost upfront
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Keep monthly business costs manageable
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Benefit from predictable monthly payments
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Upgrade your business vehicle
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Replace an existing van
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Expand your commercial vehicle fleet
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Access newer vans and specifications
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Choose an option suited to your business budget
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Combine van sourcing and finance through one company
How the finance options work
Hire Purchase
Hire Purchase is a loan secured against the van. You agree on a repayment period, normally between 12 and 60 months, with fixed monthly payments.
You'll pay a deposit and the full VAT upfront. VAT is usually reclaimable for VAT-registered businesses. An option to defer the VAT for up to three months may also be available, subject to conditions.
Hire Purchase is available on new and pre-registered vans. At the end of the agreement, you take full title of the vehicle after a small option-to-purchase payment has been made.
A balloon payment can also be an option to lower monthly costs.
Lease Purchase
Lease Purchase can be a funding option for non-VAT-registered businesses and businesses looking for a lower initial outlay.
You choose the van and rent it back over an agreed period. The vehicle belongs to the finance company throughout the agreement. At the end of the agreement, ownership can pass to you via a third party for a small sale proceeds figure.
Lease Purchase offers flexible deposits and durations and is available on new and pre-registered vans. There is no upfront VAT, as VAT is paid each month along with your monthly rentals.
What you can expect from our van finance
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Hire Purchase and Lease Purchase options
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Options designed around different business budgets
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Fixed monthly payments on Hire Purchase
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Hire Purchase terms normally from 12 to 60 months
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Finance for new and pre-registered vans
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Balloon payment option on Hire Purchase
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VAT deferral of up to three months on Hire Purchase, subject to conditions
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No upfront VAT on Lease Purchase
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Flexible Lease Purchase deposits and durations
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Clear and transparent pricing
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No hidden fees
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Honest independent advice
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Personal support throughout the purchase
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Nationwide delivery available on sourced vans