Can I apply with a CCJ?+
You can apply. Whether a lender will consider the application depends on the age, value and status of the CCJ together with the rest of your circumstances.
Can I apply after missed payments?+
Yes, you can submit an application. The lender will assess the missed payments alongside your current affordability, income and wider credit history.
Is bad credit van finance guaranteed?+
No. Van finance is never guaranteed. All applications are subject to status, affordability and lender criteria.
Will applying affect my credit file?+
Credit-search processes vary by lender. The application journey will explain the relevant checks where required.
Can I apply if I am self-employed as well?+
Yes. Poor credit and self-employment do not automatically prevent an application, although lender requirements can be more detailed.
What deposit will I need?+
The required deposit depends on the vehicle, lender and application. Eligible VFC deals can start from £99 deposit.
What if finance is not available?+
If traditional finance is not suitable, you can also look at the separate VFC Rent2Buy route, which has different eligibility and affordability checks.
