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Van finance affordability calculator

Work out what you can comfortably afford before you start browsing vans or talking to lenders — the single most useful first step.

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Include everything — lenders will see these via a credit check and open banking, so it's better to be realistic here too.

Monthly disposable income
£1,000
Suggested safe payment range£250 – £400
Roughly implies a loan of£15,600
Model this loan on the HP calculator
This tool applies a simple guideline (roughly 25–40% of disposable income) commonly used as a rough affordability sense-check — it is not the methodology any specific lender uses, and real underwriting also weighs credit history, vehicle type and open banking data. Treat the result as a starting point, not a guarantee of approval.

Why affordability matters more than the headline rate

Two lenders offering the same APR can leave you very differently placed depending on term length and deposit. Working out a payment you can sustain even in a slower month — especially if you're self-employed — matters more than chasing the lowest advertised rate.

Self-employed? Read this first

Lenders typically average your income over 1–3 years of accounts or SA302s. If your income varies month to month, budget against your lower months, not your best month. See our guide on van finance for the self-employed.