WHO WE HELP
If you are employed and need a van, choose the vehicle first and keep the finance application connected to it. VFC can then explore suitable routes from our selected lender panel, subject to status and affordability.
Finance is subject to status, affordability and lender criteria. Van Finance Company is a credit broker, not a lender.
YOUR QUESTION, ANSWERED
Yes. PAYE employment is a common way to apply for van finance. Lenders can consider your income, time in employment, affordability, credit profile, current commitments and the vehicle you want to buy.
You can start by choosing a real van from VFC stock. The finance application then includes the vehicle from the beginning, keeping the purchase and finance journey together.
VANS AVAILABLE NOW
These are real vans currently available from Van Finance Company stock.
WHO THIS CAN SUIT
Whether the van is for work, commuting, tools or a change of vehicle, the application starts with your current employment and affordability.
Customers in regular PAYE employment who need a dependable vehicle for work or personal use.
Applicants with part-time earnings where affordability and the wider application can be assessed.
Customers whose hours or pay can vary but who have a consistent employment relationship.
Drivers replacing an older van or moving into a vehicle better suited to their current work.
HOW IT WORKS
Choose the van you want and keep the vehicle and finance journey together from the start.
Browse current VFC stock and pick the vehicle that suits your work and budget.
Complete one finance application with your chosen vehicle already connected to it.
We review the application and explore suitable routes from our selected lender panel.
Once the purchase is completed, your van is prepared and delivery can be arranged.
WHAT YOU MAY NEED
You can start with your personal, employment and income details together with the van you have chosen.
Exact information and supporting documents vary by lender and individual circumstances.
MORE THAN JUST FINANCE
We sell the vehicle and arrange the finance as part of the same purchase journey.
Every vehicle is HPI checked before sale.
Nationwide delivery is included with your van.
6 month / 6,000 mile warranty included.
1 year AA breakdown cover included.
Vehicle preparation includes a service and PDI.
A new MOT is included before handover.
PAYE APPLICATIONS
For employed applicants, lenders normally want to understand your current employment, income and regular commitments. Length of service can be relevant, but a recent job change does not automatically mean you cannot apply.
The VFC journey keeps the vehicle connected to the application. Choose from current stock, apply once and we can explore suitable lender routes from our selected panel based on the information provided.
Your employer, role and time in employment can form part of the lender’s assessment.
Lenders assess affordability using your income together with regular financial commitments.
Starting a new role does not always prevent an application, although a lender may ask for extra information.
COMMON QUESTIONS
Requirements vary by lender. Some may prefer a longer employment history while others can consider applicants who have changed jobs recently.
You can apply, but the lender may take the probation period and wider circumstances into account.
Part-time employees can apply. The key considerations include affordability, income, credit profile and lender criteria.
How overtime or variable income is treated depends on the lender and how regular that income is.
Yes. VFC lets you choose from current stock first so the exact vehicle is linked to your application.
Yes. Free UK delivery is available on VFC vans subject to completion and the normal delivery terms.
READY TO GET STARTED?
Browse current stock or complete the finance application if you've already found the van you want.