Drive Your Business Forward with Flexible Van Finance at CVS Vans

Trusted Provider, Streamlined Finance Solutions

At CVS Vans, we're your one-stop shop for getting your business on the road. We are a trusted used van dealership that understands the importance of finding the right van and the right financing solution to fit your needs. That's why we offer a variety of flexible HP and PCP finance options to suit various budgets and business requirements, helping you find the perfect used vans on finance. 

Looking for used van finance deals or 0 deposit van finance options for your business? We can help!

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Understanding Your Options: HP vs. PCP Finance

We offer two main types of van finance - Hire Purchase (HP) and Personal Contract Purchase (PCP). Let's break down each option to help you choose the one that aligns with your financial goals:

HP Finance (Hire Purchase):

HP finance allows you to spread the cost of the van over a fixed term with predictable monthly payments. Throughout the agreement, you'll build equity in the van. By the end of the term, you'll own the van outright, free and clear.

Benefits of HP:

  • Predictable Budgeting:
    Enjoy the peace of mind of knowing exactly how much your van payment will be each month. This allows for easier budgeting and financial planning for your business.
  • Ownership of the Van:
    At the end of the agreement, the van is yours. This is ideal if you plan on keeping the van for a long time and want to build equity in an asset for your business.
  • Potential Tax Advantages:
    Depending on your situation, HP financing may offer tax advantages for business van finance. It's always recommended to consult with your accountant to understand the specific implications for your business.
    For example, let's say you get a £15,000 used van on finance with HP over 48 months with a 10% interest rate. Your monthly payment would be approximately £357*. 

(This is a representative example and actual rates may vary.)

PCP Finance (Personal Contract Purchase):

PCP offers lower monthly payments compared to HP. This can be a good option if cash flow is a major concern for your business or you're seeking van finance for self-employed business and need van finance. At the end of the PCP term, you have three options:

Own the Van:

You can purchase the van for a predetermined "balloon" payment, typically lower than the van's remaining value.

Return the Van:

Simply return the van to the finance company with no further obligation.

Trade-in the Van:

Use the van as a trade-in towards a newer model, potentially reducing the down payment required for your next van.

Benefits of PCP:

  • Lower Monthly Payments: PCP offers lower monthly payments compared to HP, freeing up cash flow for other business needs.
  • Flexibility at the End of the Term:
    You have the flexibility to choose the option that best suits your circumstances at the end of the agreement.
  • Potentially Lower Initial Deposit:
    PCP may require a lower initial deposit compared to HP, making it easier to get behind the wheel of a second hand van on finance sooner. For example, the same £15,000 used van, PCP might offer a monthly payment of around £280* with a final balloon payment of £5,000. (This is a representative example and actual rates may vary.)

Why Choose CVS Vans for Your Van Finance Needs?

Expert Guidance: 

Our team of experienced finance specialists will walk you through the application process and help you choose the most suitable finance option for your business requirements. They can answer any questions you may have and ensure you understand the terms of your agreement.

Competitive Rates: 

We work hard to secure competitive finance packages from reputable lenders, ensuring you get the best possible rates on your van finance for business purchase.

Flexible Options: 

We understand that every business has unique needs. That's why we offer a variety of flexible finance options, including no deposit van finance and our "van now VAT later" option, allowing you to defer VAT payment for 3 months.

Quality Used Vans: 

We stock a wide range of reliable used vans from top manufacturers, meticulously inspected and prepared by our qualified technicians. You can be confident you're getting a quality van that will keep your business moving.

After Sales Support:

Enjoy peace of mind with our comprehensive after sales support, including servicing, maintenance plans, and warranties. We're here to keep your van on the road and your business running smoothly.

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