VAN FINANCE COMPANYA TRADING NAME OF VANSCO LTDView vans →

WHO WE HELP

VAT Van Finance

Many commercial vans are advertised plus VAT. Choose the vehicle first and we can explain how the VAT and finance structure apply to that specific van and your circumstances.

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Finance is subject to status, affordability and lender criteria. Van Finance Company is a credit broker, not a lender.

200+vans in stock
£99deposit from
FREEUK delivery

YOUR QUESTION, ANSWERED

Can I finance a van that has VAT on the price?

Yes. VAT-qualifying vans can be financed, but how the VAT is treated depends on the finance product, lender and your circumstances. Some structures may require the VAT to be paid separately or upfront, while others can work differently.

The important starting point is the exact van because its VAT status and selling price determine the figures. Choose from current VFC stock and we can explain the finance route available for that vehicle.

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VANS AVAILABLE NOW

Choose the van first.
Then arrange the finance.

These are real vans currently available from Van Finance Company stock.

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WHO THIS CAN SUIT

For buyers comparing the real cost of a VAT van.

The headline price is only part of the picture when VAT applies. The finance route needs to reflect the actual vehicle price and your business circumstances.

VAT-registered businesses

Businesses that may be able to account for VAT according to their own tax position and accountant’s advice.

Non-VAT-registered buyers

Customers who need to understand the full VAT-inclusive purchase cost before choosing the finance route.

Sole traders

Self-employed buyers comparing vehicle price, VAT and the deposit required for the application.

Limited companies

Companies buying a commercial vehicle where VAT treatment is part of the purchase decision.

HOW IT WORKS

Four straightforward steps.

Choose the van you want and keep the vehicle and finance journey together from the start.

01

Choose your van

Browse current VFC stock and pick the vehicle that suits your work and budget.

02

Apply online

Complete one finance application with your chosen vehicle already connected to it.

03

We arrange the finance

We review the application and explore suitable routes from our selected lender panel.

04

Get your van

Once the purchase is completed, your van is prepared and delivery can be arranged.

WHAT YOU MAY NEED

What will I need to apply?

Start with the normal finance information plus the exact VAT-qualifying van. We can then work from the correct vehicle price rather than a generic example.

Driving licence
Current address details
Employment or business details
Income and affordability information
Bank details
Your chosen vehicle

Exact information and supporting documents vary by lender and individual circumstances.

MORE THAN JUST FINANCE

You're choosing a van from our stock.

We sell the vehicle and arrange the finance as part of the same purchase journey.

HPI checked

Every vehicle is HPI checked before sale.

Free UK delivery

Nationwide delivery is included with your van.

6 month warranty

6 month / 6,000 mile warranty included.

AA breakdown cover

1 year AA breakdown cover included.

Service & PDI

Vehicle preparation includes a service and PDI.

Brand new MOT

A new MOT is included before handover.

VAT-QUALIFYING VANS

Understanding VAT as part of the van purchase.

Commercial vehicle adverts often show a price plus VAT because VAT is chargeable on the sale. That does not mean every customer handles the VAT in the same way. Whether you are VAT registered, the finance product used and the lender’s structure can all affect what is required at the start of the agreement.

VFC works from the actual stock vehicle, so the VAT status, selling price and finance application stay connected. We can explain the figures for the chosen van, while any tax treatment or reclaim should be confirmed with your accountant or tax adviser.

Vehicle VAT status

The finance figures need to start from whether VAT is chargeable on the specific van.

Finance structure

Different products and lenders can treat the VAT element differently, including the amount due upfront.

Tax advice

Whether VAT can be reclaimed depends on your tax position and should be confirmed with your accountant or tax adviser.

COMMON QUESTIONS

VAT van finance FAQs.

Does plus VAT mean I pay more than the advertised price?

Yes. If a van is advertised plus VAT, VAT is added to the net selling price to calculate the total purchase price.

Can the VAT be included in finance?

That depends on the finance product, lender and application. Some routes require all or part of the VAT upfront while others may structure it differently.

Can I reclaim the VAT?

That depends on your VAT registration, vehicle use and tax position. You should confirm reclaim eligibility with your accountant or tax adviser.

What if I am not VAT registered?

You can still buy and finance a VAT-qualifying van, but you should budget around the full VAT-inclusive cost because you may not be able to reclaim the VAT.

Can a sole trader finance a plus-VAT van?

Yes. Sole traders can apply, subject to status, affordability and lender criteria.

Can a limited company finance a plus-VAT van?

Yes. Limited companies can apply and the treatment of VAT will depend on the product and lender.

WHO WE HELP

Different circumstances.
Different routes.

See who we help

Limited company van finance

For companies purchasing and financing the vehicle through the business.

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Sole trader van finance

For self-employed customers trading personally.

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Self-employed van finance

For the wider range of self-employed applicants.

Read more →

READY TO GET STARTED?

Find your next van.

Browse current stock or complete the finance application if you've already found the van you want.

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