VW Transporter Finance
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We are slightly obsessed with giving you the very best VW Transporter Finance Deals.
You’re excited, you want a van, but you’re petrified about finding the best way to fund it? Does that sound like you?
Our VW Transporter prices start from £175 a month for a base model T6 or £229 for a T6 Kombi
We have multiple finance companies and have invested in Credit Application Pre Search so can even tell you the best way to apply.
30 Second Guide to Financing a VW Transporter – Ring Us To Apply
The low down on finance options:
1. Finance Lease.
Cheap monthly payments so you don’t have to struggle.
Additional back end discount hidden in the deal.
Large balloons to make the payment affordable.
You can PX the van at any time. For example; if your circumstances change due to redundancy, a child on the way or priorities change.
You can sell the van at any time. Add a pop top, a kitchen conversion, anything – its YOUR van, and you are free to spend your life arguing over where to camp. You don’t have to pay the VAT up front, its spread monthly. Its great for private people, businesses, new start companies as the tax savings are spread over several years.
PX. Most finance lease customers PX after 2.5 years as its cheaper than keeping the van. Ask me why…
Disadvantages. The word ‘lease’ scares people. Gasp! OMG he said Lease it!
Cheeky devil. If you want to keep the van for 20 years you can and we can help at the end, no charge. If you want to refinance the final payment you can. As long as you haven’t mucked up your credit rating by going on too many camping holidays or paying for excessive mods on your credit card!
2. Lease Purchase.
The same but you pay a deposit PLUS VAT. You automatically own the van at the end.
None unless you accidentally go for this and shouldn’t have. It gets all tax advantages in one year. If your company hasn’t made profit, finance lease would have been better as it spreads the tax savings into later years
3. Contract Hire.
Great for large fleets of the same type of vans. White base T28, you know the type.
We do contract hire and its best for good credit companies with lots of drivers who need to control costs.
You can’t get out of contract hire.
There is at the same credit check as any other type of finance but people wrongly think even with bad credit they can get it.
You can’t modify the van in any way it can only be factory options, not things like spoilers or custom leather etc.
The payments shoot up to the surprise of many when you add extras, due to the way contract hire is calculated. Add £4000 of factory fitted accessories to a T6 on a 36-month deal and guess what ?? Your payments go up by £4000 over the term!
4. HP – VW Transporter Finance
If you can get credit go for lease purchase as the discount is higher..
If you can’t get credit, HP gets less discount, very small balloons, and your payments are much higher, but at least you are in a T6.
5. Pay outright-VW Transporter Finance
90% of customers who ask for a cash price then ask for a monthly payment.
Cash customers actually pay more for the van than a lease or lease purchase customer.
6. National Lottery
Please ring in advance with your winning numbers!
– If your VAT registered then make sure the van or Kombi is VAT happy 🙂 The T30 Kombi isn’t.
– We can settle the finance on your PX. It doesn’t have to be a VW. We will even deliver the new one to you, and pick the old one up.
– 65% of customers who take finance lease with us PX in around 30 months. Almost everyone who is in business does that with Swiss. It’s cheaper to switch in long run.
– We say we can add a conversion to your finance package. We can but not all converters. Sure we are happy to register the van and deliver it to a converter. However we must be in mutual agreement with the converter, they must be established and several years trading history and accounts. This is to safeguard both of us.
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Swiss Vans Ltd
2nd Floor Offices
T: 01656 674620