Bad credit van finance made simple

What is a bad credit score?

A bad credit score usually means lenders may view you as higher risk. This can be caused by missed payments, defaults, CCJs, IVAs, or having little or no credit history.

If you’ve been declined for van finance before, your credit score is often the reason — but that doesn’t mean van finance is impossible.

Can you get van finance with bad credit?

Van finance may be available when you have a poor credit history. Finance providers assess applications using their own criteria, which can include more than your credit score alone.

Factors such as stable income, affordability, and recent payment behaviour may be considered when a provider assesses an application.

We’re a credit broker, not a lender

We don’t provide finance directly. Instead, the application journey can introduce eligible applicants to finance providers whose criteria may include poor credit histories.

Application assessed against provider criteria

Applications are considered according to provider criteria, individual circumstances, status and affordability.

No obligation to proceed

There’s no pressure to accept any offer. You remain in control and decide whether to move forward.

How to improve your credit score

Improving your credit score won’t happen overnight, but small, consistent changes can make a real difference over time.

• Make payments on time
• Reduce outstanding balances
• Check your credit report for errors
• Avoid making multiple credit applications

We regularly publish guides and advice to help people understand, manage, and rebuild their credit.