Get behind the wheel of a van without putting down a penny upfront. No deposit van finance spreads the full cost across monthly payments. Rates start from 9.9% APR (representative 23.9% APR).

Car-Finance.co.uk compares deals from 15+ specialist UK lenders. The initial check is a soft credit search and does not affect your credit score. A full credit check is carried out at formal application.

No minimum credit score. CCJs, IVAs and defaults considered

Finance types: Hire Purchase (HP) and Lease Purchase. Both available with no deposit

Rates from 9.9% APR (representative 23.9% APR)

Term: 24 to 60 months

Deposit: £0 required upfront

Moneyrepublic Ltd (FRN: 967024) trading as car-finance.co.uk acts as a credit broker, not a lender, regulated as an Appointed Representative of F&I Online Ltd (FCA No. 731217), authorised by the Financial Conduct Authority.

How to get no deposit van finance?

Getting a car loan is easy - you just need to follow a few steps to get the most favourable offer possible.

1

Check your eligibility

Tell us about the van you need and how much you want to borrow. We compare no deposit van finance deals from our panel of 15+ UK lenders, with no impact on your credit score. A full credit check is carried out by the lender at formal application.
2

Get approved

Once approved, choose your van from any UK dealer. We carry out full vehicle checks (HPI, MOT and mileage verification) before you sign anything.
3

Drive away your van

Arrange collection or delivery at your convenience. Make regular monthly payments and the van is yours at the end of the agreement.


We work with 15+ trusted UK van finance lenders

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We are credit broker, not a lender.

No deposit van finance calculator

Adjust the loan amount, the term (36, 42, 48 or 60 months) and your estimated credit score. The calculator returns indicative HP and Lease Purchase monthly payments.

The initial check uses a soft credit search and will not affect your credit score. A full credit search is carried out by the lender if you proceed to a formal application.

Finance calculator

£
  • 36 mo
  • 42 mo
  • 48 mo
  • 60 mo
This helps you get a more accurate finance estimate
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Not sure about being approved?
Check finance eligibility
Won't affect your credit score. We are a credit broker.

Your estimated examples

These estimates are subject to credit checks, and may change if you do apply for finance.
PCP £113.36/pm
HP £174.39/pm
Loan amount£7,500.00
Length of Loan60 months
Monthly payment£0
Interest rate11.9% APR
Optional final payment£0
Amount of interest£0
Total payment£0

Representative example: Borrowing £7,500 over 48 months with a representative APR of 23.9%, monthly payment of £224.55, total cost of credit £3,278.40, total amount payable £10,778.40. Rates from 8.9% APR. We are a credit broker, not a lender.

With the help of the calculator you can roughly estimate possible car loan options.

What is no deposit van finance and how does it work?

No deposit van finance is a credit agreement that funds a van with an initial payment of £0. The finance lender covers 100% of the price and assesses your application against income and credit score. Car-Finance.co.uk offers no deposit options on three product types: Hire Purchase (HP), Lease Purchase and Finance Lease. All of them are regulated by the Financial Conduct Authority.

Zero deposit van finance suits sole traders, limited company directors and employed drivers who need a van quickly. It also suits buyers with no savings, plus applicants with poor credit such as CCJs, IVAs or defaults. Your credit score has a significant impact on the APR offered. Vans accepted range from panel vans (Ford Transit Connect) to large Luton vans.

Car-Finance.co.uk compares 0 deposit van finance from 15+ specialist UK lenders offering 100+ HP and PCP deals. Rates start from 9.9% APR, with the representative APR at 23.9%.

The service is free, with no hidden fees. Compare no deposit van finance deals to find a rate that suits your budget.

How do no deposit van finance payments work?

Payments work the same way as standard van finance, with one key difference. You borrow the full van price, so your monthly instalment is higher. Each payment covers part of the capital plus interest at the agreed APR.

Worked example: Finance a £15,000 panel van over 48 months at the representative 23.9% APR with £0 deposit. The monthly payment is £488.20. The total amount payable is £23,433.54.

Five factors shape the monthly payment on no deposit van finance:

  • Deposit amount: £0 means higher monthly payments than agreements with an upfront deposit
  • Loan term: 24 to 60 months available, with longer terms reducing monthly cost but raising total interest
  • Credit score: a stronger profile leads to lower APRs. Rates start from 9.9% APR
  • APR rate: the representative APR is 23.9% at Car-Finance.co.uk
  • Van value: the purchase price sets the amount you need to borrow

Finance types: HP gives you full ownership at the end of the term. Lease Purchase includes an optional balloon payment, which lowers monthly costs. Finance Lease is a business product where the lender retains ownership. All three accept van finance no deposit applications.

No deposit van finance: how does it compare?

Comparing zero deposit HP, no deposit Lease Purchase and standard van finance

The choice between no deposit van finance and a deposit agreement comes down to monthly affordability versus the total cost of credit over the term. The table below breaks down the three most common UK van finance routes side by side, with monthly cost, total amount repayable, balloon structure and ownership outcomes compared at a glance.

ParameterNo deposit HPNo deposit Lease PurchaseStandard (with deposit)
Monthly paymentHigher (no deposit reduction)Mid-range (balloon defers cost)Lower
Total amount repayableHigherMid-rangeLower
Upfront cost£0£0Typically 10 to 20% deposit
Own van at end
final payment included
after balloon payment
Balloon paymentOptional
Best suited forBuyers with no savings, wanting simple ownershipBuyers wanting lower monthlies and term-end flexibilityBuyers with savings, seeking the lowest monthly cost

Weigh monthly affordability against the total cost of credit, then consider ownership outcomes. No deposit HP suits buyers wanting simple ownership. Lease Purchase suits buyers wanting lower monthlies via balloon. Finance Lease suits operators who do not need ownership. Choose the structure that matches your budget.

Compare zero deposit van finance with Car-Finance.co.uk on a soft search. A full credit check applies at formal application.

The pros and cons of no deposit van finance

Pros

  • left-iconNo upfront deposit, drive away with £0 down
  • left-iconSoft credit check on the initial quote, no impact on your credit score
  • left-iconComparing quotes with Car-Finance.co.uk can significantly reduce the cost
  • left-iconAccess to 15+ specialist UK van finance lenders
  • left-iconBad credit, CCJs and IVAs considered
  • left-iconFlexible terms: 24 to 60 months available

Cons

  • left-iconHigher monthly payments than deposit-based agreements
  • left-iconHigher total amount repayable across the term
  • left-iconMay require a stronger credit profile than deposit finance
  • left-iconHigher APR rates typically apply on zero deposit agreements
  • left-iconVan used as security, with repossession risk if payments are missed

Who can apply for no deposit van finance?

Applicants for no deposit van finance fall into several profiles. Lenders on the Car-Finance.co.uk panel assess each applicant on income, affordability and credit history rather than a single rigid criterion. The full list of FCA-regulated motor finance lenders is published on the Financial Conduct Authority register.

  • Employed or self-employed individuals needing a van for work
  • Limited company directors and sole traders
  • Buyers with no savings available for a deposit
  • Applicants with a poor credit history. CCJs, IVAs and defaults are considered
  • First-time van buyers building credit history
  • UK residents aged 18 to 79 with a regular income

What do you need to apply?

The lender needs the basics to run an eligibility check and a full credit search at formal application stage.

  • Aged 18 to 79
  • UK resident
  • No minimum credit score
  • Regular income (employed, self-employed or benefits)
  • Valid UK driving licence
  • Van for personal or business use, both accepted
  • Ready to proceed without an upfront deposit payment

Why choose us?

We offer many favourable car loan options for your needs and select the best deals from reliable providers

Check your eligibility online

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Soft credit search at quote stage, with a full check at formal application

Buy a van from any UK dealer

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Collect or get your van delivered

Van finance quality assured

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HPI check, full service history and MOT check

15+ UK lenders compared

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We find your rate automatically

FCA regulated as an Appointed Representative

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Free service, no hidden fees

£0 deposit required

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Get on the road without any upfront payment, even with imperfect credit

Frequently asked questions about no deposit van finance

We've collected the most popular questions about car loans from our customers

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What is no deposit van finance?

No deposit van finance is a credit agreement that funds the full van price with no upfront payment. Three product types are offered: Hire Purchase, Lease Purchase and Finance Lease. All are regulated by the Financial Conduct Authority. Monthly payments are higher than deposit agreements because you borrow the full price.
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Is van finance easy to get?

Eligibility depends on your income, affordability and credit history rather than a single fixed score. Car-Finance.co.uk works with 15+ specialist lenders who accept a wide range of credit profiles, including CCJs and IVAs. The initial check uses a soft search, so there is no impact on your credit score. A full check is carried out at formal application.
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Is no deposit van finance available with poor credit history?

Yes. Lenders on the Car-Finance.co.uk panel, including Moneybarn, Oodle and Moneyway, accept applicants with CCJs, IVAs, defaults and missed payments. APR will be higher on subprime agreements, with the representative APR at 23.9%. Applicants with bad credit and no deposit should expect lenders to assess affordability carefully.
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How much is a van on finance per month?

Cost depends on the van price, the term and the APR offered. A £15,000 panel van financed over 48 months at the representative 23.9% APR with £0 deposit costs £488.20 per month. The same van with a 10% deposit lowers monthly costs by around £49. Use the calculator above to estimate your figure.
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What are the eligibility criteria for no deposit van finance?

You must be aged 18 to 79 and a UK resident with a regular income, plus a valid UK driving licence. There is no minimum credit score. Lenders assess affordability across employed, self-employed and benefits income. Both personal and business van use are accepted.
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What documents are required for no deposit van finance?

Lenders typically request proof of identity (passport or driving licence) and proof of address (utility bill or bank statement within three months). Proof of income is also required: payslips, bank statements or business accounts for sole traders. Some lenders ask for vehicle details and the dealer's invoice. Document requirements vary by lender.
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What are the potential disadvantages of no deposit van finance?

Three main drawbacks apply. Monthly payments are higher because you borrow the full van price, and total cost of credit rises due to interest on a larger balance. APR is typically higher than on deposit agreements. The van is used as security, so the lender can repossess it for missed payments.
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What is zero deposit van finance?

Zero deposit van finance is the same product as no deposit van finance. The lender funds 100% of the van price, with an initial payment of £0. The full amount is repaid through monthly instalments over 24 to 60 months. Hire Purchase and Lease Purchase are both available on a zero deposit basis at Car-Finance.co.uk.
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Can I get 0% finance on a van?

0% finance and no deposit finance are different products: 0% means no interest is charged, while no deposit means no upfront payment. 0% APR van deals are rare and usually offered only on selected new vans through manufacturer promotions. They typically still require a deposit. Subject to eligibility and credit check.
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What types of no deposit van finance are available?

Three main types are offered without a deposit. Hire Purchase (HP) splits the full van price across fixed monthly payments, with ownership at the end. Lease Purchase works similarly but includes an optional balloon payment, which lowers monthly costs. Finance Lease is a business product where the lender retains ownership and you pay rentals.
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How does no deposit van finance affect my credit score?

The initial eligibility check uses a soft credit search and does not affect your credit score, following Experian guidance on soft searches. A full credit check is carried out by the lender at formal application stage. Making payments on time builds your credit profile. Missed payments damage it.
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How do I compare no deposit van finance deals?

Use the Car-Finance.co.uk quote tool to compare deals from 15+ specialist UK lenders in one place. The initial check is a soft search and does not affect your credit score, with a full check at formal application. Compare no deposit van finance with Car-Finance.co.uk for a free quote, soft check only.

Apply for no deposit van finance today. Free and no credit impact

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Regulatory and commission disclosure

Car-Finance.co.uk is a trading name of Moneyrepublic Ltd (Company No. 12141408), an Appointed Representative of F&I Online Ltd (FCA No. 731217). F&I Online Ltd is authorised and regulated by the Financial Conduct Authority, and Car-Finance.co.uk acts as a credit broker, not a lender.

We receive a commission from lenders when we arrange finance on your behalf. This does not affect the rate you are offered. Learn more about how we make money.