Bad Credit Van Finance

Bad Credit Van Finance

Admin fee + 20% Down and balance over 5 years no balloon on lease Minium £25,001 balance


Bad Credit Van Finance is more common than you think. Swiss Vans can help you get into any of the vans we sell even with bad credit or more realistically we can finance a used van that you find yourself.

Key Points
– Balloons are smaller or not at all minimum balance £25,001
– We charge a £500 + VAT Admin fee upfront to process this whether or not we can get you credit. This is because its harder work and more stressful to everyone.
– Deposits typically 10 – 20% minimum
– Admin £200 + £300 = £500 in total see above
– Interest rates depend on your circumstances
– If you are on a tight budget maybe find a local van and let us arrange the bad credit finance for you

Bad Credit For Used Vans
– A RAC or AA inspection is required and its paid for by you.
– Again a £500 Admin + VAT taken upfront whether or not we can arrange credit as its a greater amount of work than a normal sale. See above.
– We pay the dealer directly we cant pay private sellers
– Deposits again typically 20% on a used van
– Payout will not occur unless the vehicle has had an inspection the deal will be cancelled

Finance Examples HP and Lease

Deposit minium 10 % + VAT on HP

The balloon depends on the asset we are funding.

As an indication:

Straight HP Funding

Funding straight             on a £20k + VAT Van

Term                            36months

Repayments                  £647.23 per month.

Documentation fee      £200

Option to Purchase fee £240

Finance Lease:

Funding straight             £20k + VAT

Term                            1 + 35 months

Repayments                  £626 + VAT  per month.

Documentation fee       £100

VW Transporter Kombi Lease
Transit Custom Finance
Ford Transit Custom Kombi
Ford Courier Sport
VW Transporter Hire Purchase
Van Direct
VW Transporter Finance
Ford Transit Luton Lease
VW Caddy For Sale
Citroen Berlingo Lease

Van Finance

Best Ways Of  Van Finance  
At Swiss we have literally most funders on the market and will introduce you to the best value. Our aim is to help you grow your fleet 
and become your natural choice to replace vehicles. 
Van Hire purchase – VAT down and VAT deferred . HP is a great way to actually buy a van. If your VAT registered claim the whole VAT amount back within three months. 
Van Leasing 
Small deposits from one payment in advance to 50% of the van price. Its 100% tax deductible so great fir new start companies that have start up costs. Is the favourite way for many manufacturers so often attracts the greatest discounts. Its more flexible than contract hire. 
Lease Purchase
Not all manufactures support this method so often pre registered vans are the way to go. This is because you take ownerships automatically and they worry it will affect residual values. Ask us first as often you cant get a private plate on this method. Its very much like HP but more suited to VAT registered companies as they can claim the VAT back of course. If you are flat rate VAT this is the one for you. 
Van Contract Hire 
Great for larger fleets that want to control costs but its seldom sold to smaller users as its quite restrictive. Many ask for it because  they have asked for it in the past. Some mistakenly think there is no credit check check but there is. 

All prices subject to VAT. Images are for illustration purposes only.