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Compare Van Finance Types

Find the right way to fund your van.

Four ways to fund a van, each with different ownership, VAT and cost. Here’s a plain-English comparison to help your limited company pick the right one — then get matched to the best fit across the panel.

  • check Free, no-obligation quote — apply in seconds
  • check A soft check that won’t affect your credit score
  • check Find your own van, or we’ll source it for you
  • check Limited-company specialists — used or new
  • check A credit broker, not a lender, with a panel of trusted UK lenders

Subject to status and eligibility. Van Finance Limited is a credit broker, not a lender.

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We use Companies House to do the heavy lifting.

Apply in 60 seconds. It won’t affect your credit score.
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A better chance of a yes We match your business to the lenders most likely to help
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Soft credit check No impact on your credit score
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Quick decisions A fast, no-obligation answer
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Any van, any brand We finance what your business needs

The short version

Want to own the van and cover high mileage? Hire purchase. Want lower cost and VAT-efficiency while keeping cash in the business? Finance lease. Want the lowest fixed cost and to hand it back? Business van leasing. Already own vans and need cash? Asset refinance.

At-a-glance comparison. Tax treatment depends on your circumstances — confirm with your accountant.
Hire PurchaseFinance LeaseBusiness Van LeasingAsset Refinance
Own the van?Yes, at the endNot automaticallyNo — hand it backYes (you already do)
Upfront costDeposit (flexible)LowerLowestNone — releases cash
Monthly costHigherLowerLowestVaries
Mileage limitsNoneNoneYesN/A
VATReclaim on purchase¹Reclaim on rentals¹Reclaim on rentals¹Varies
Best forOwning, high mileageVAT-efficiency, cash flowPredictable cost, refreshReleasing working capital

We’ll Help You Every Step of the Way

Follow the simple 3 step process to finance your business today.

Once you have completed the first step, we will arrange a call to answer any more detailed questions you may have and move quickly through steps two and three to get your financial requirements successfully approved.

Get My FREE Quote
  1. 01

    Complete the Form

    Complete the simple form below and apply online for the amount you need to grow your business

  2. 02

    Receive Fast Approval

    We will process your application and aim to get you approved for your desired amount in 24 – 48 hours

  3. 03

    Get Funded

    Congratulations! Now you’ve been approved, you can acquire the assets you require to grow.

Get a straight answer for your company

Tell us what you need to finance and we’ll tell you what’s possible across a panel of trusted UK lenders and used van providers.

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FCA-regulated credit broking Credit broker, not a lender Whole-of-panel lenders Limited-company specialists

Frequently asked questions

Which is most tax-efficient?
It depends on whether you’re VAT-registered, your mileage and whether you want to own the van. Finance lease and leasing let you reclaim VAT on rentals; HP lets you reclaim VAT on a qualifying purchase and claim capital allowances. See HP vs lease tax.
Can I get any of these as a newly formed company?
Yes — we place new-company and used-van deals across the panel. A deposit or director’s guarantee can help. Decisions are subject to status.
What does ¹ mean on VAT?
VAT recovery applies to VAT-registered businesses on qualifying commercial vehicles used for business. Always confirm with your accountant.

Explore each option

Helpful guides

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