LCV & Van Finance
Flexible finance for vans and light commercial vehicles
From compact city vans to long-wheelbase workhorses, we’ll tailor finance around your cash flow and usage — with clear repayments and end-of-term options that suit your business.
How LCV Finance Works
- Choose your van & deposit — pick a term that fits your budget (e.g. 24–60 months; longer terms may be available).
- Pay fixed monthly instalments — predictable costs with rates agreed upfront.
- End-of-term choices — depending on product: own the van outright, refinance a balance, or change vehicle.
We can help with dealer or private purchases; availability depends on vehicle age, mileage, value, and lender criteria.
Things to Consider
- Vehicle criteria — age, mileage, payload and condition can affect product availability.
- Total amount payable — lower monthlies over a longer term can increase overall cost.
- VAT treatment — VAT rules vary by product and use; speak to your accountant for guidance.
- Early settlement — lenders may charge daily interest or fees to your settlement date.
We’ll set out rates, fees and end-of-term options clearly before you proceed.
Compare Finance Options
| Feature | Hire Purchase (HP) | Lease Purchase | Finance Lease | PCP* |
|---|---|---|---|---|
| Monthly payments | Higher (finance full value) | Lower (deferred balloon) | Lower rentals; VAT may be reclaimable* | Lower (deferred GMFV), limited availability |
| End of agreement | Own the van automatically | Sell, refinance, or pay balloon to own | Typically sell/extend/peppercorn; no automatic ownership | Keep (pay balloon), part-exchange, or return |
| Mileage/condition rules | Not applicable | Not applicable (no hand-back) | Usage-based; fair wear & tear applies | Apply if returning |
*VAT and tax treatment depend on your circumstances and the product; please seek professional advice. PCP for vans is not always available.
Get in touch:
Your personal concierge specialist is waiting for your call or email:
Get In Touch
- 0191 250 4575
- [email protected]
Address
- Hub 26, Lawrence House, Riverside Dr, Cleckheaton BD19 4DH
Hours
- 9:00AM - 5:30PM Weekdays
- 10:00 AM - 4:00pm Sat/Sun
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