Age, credit history, employment status and residency all change which lenders are worth applying to first. Find your situation below to see the challenges, the tips, and the lenders that tend to work best.
Thin credit history and limited driving years — here's what actually helps.
Age & experienceMaximum-age limits vary hugely between lenders — how to navigate them.
Residency & historyOverseas credit history doesn't transfer — what UK lenders need instead.
Credit profileMissed payments or a low score — specialist lenders built for this.
Credit profileNot bad credit — just no track record yet. Treated differently by most lenders.
Credit profileA serious adverse marker, but not necessarily a closed door.
Credit profileWhat's realistic during and after an IVA or DMP.
Employment statusSA302s, trading history, and the lenders that get it.
Employment statusNHS, emergency services and armed forces — stable income, real advantages.
Employment statusAffordability-first lenders that look past a fixed income threshold.
Employment statusSole trader vs limited company applications, and financing more than one van.
Age & experienceNo vehicle finance track record yet — what lenders look at instead.
Age & experienceStill learning to drive? Here's what's realistic before you pass.
Credit profileNot bad credit, not excellent — where you tend to sit with lenders.
Credit profileWhy declines happen and how to improve your next application.
Credit profileStill owe more than your current van is worth? Here's how that's handled.
Credit profileWhy genuine no-check finance is rare, and what to look for instead.
Credit profileWhat specialist lenders look at after a discharged bankruptcy.
Finance typeUsing someone else's credit history to support your application.
Finance typeDon't have one? Here's what to strengthen instead.
Finance typeCombining income and credit history with a partner or co-owner.
Finance typeWhat it costs to finance a van with little or nothing down.
Finance typeCheck eligibility without leaving a mark on your credit file.
Finance typeWhat actually speeds up approval and payout.
Run your numbers through the affordability calculator first — it works for every situation above.
