Quick answer
Van finance may be available for new or used commercial vans when the vehicle, business use and repayment position make sense.
- New and used vans
- Courier and delivery use
- Dealer or private sale
- Fit-outs may be considered
Van finance can help businesses purchase cargo vans, panel vans and delivery vehicles without tying up working capital. Lenders will usually consider the vehicle age, purchase price, business use and the applicant’s ability to service repayments.
Common van finance scenarios
- Courier and delivery vans
- Trade vans with tool storage or shelving
- Replacement vehicles for existing businesses
- First business vehicle purchases
Practical takeaway
A van that clearly supports business income is usually easier to explain to lenders than a vehicle with unclear commercial use.
Frequently asked questions
Yes. Used van finance may be possible, although vehicle age, kilometres and condition can affect lender appetite.
Sometimes. Shelving, racking or business fit-out costs may be considered where they are part of the vehicle purchase.
Some newer businesses may be considered where there is relevant experience, clear business use and a sensible asset purchase.