Lenders, finance types and rate ranges, laid out so you can see the trade-offs at a glance before you apply anywhere.
Representative ranges shown are illustrative sample data — always confirm the current representative example on the lender's own site.
| Lender | Type | Representative APR | Min. deposit | Bad credit friendly | Rating | |
|---|---|---|---|---|---|---|
| Moneybarn | Direct lender | 24.9% – 39.9% | £0 | Yes | ★★★★☆ 4.3 | Review → |
| Zuto | Broker / panel | 9.9% – 34.9% | £0 | Yes | ★★★★★ 4.7 | Review → |
| Blue Motor Finance | Direct lender | 11.9% – 29.9% | 10%+ | Some cases | ★★★★☆ 4.1 | Review → |
| Oodle Finance | Direct lender | 14.9% – 34.9% | £0 | Yes | ★★★★☆ 4.4 | Review → |
| Startline Motor Finance | Direct lender | 13.9% – 32.9% | 0–10% | Yes | ★★★★☆ 4.2 | Review → |
| Hire Purchase (HP) | PCP / Balloon | Broker (e.g. Zuto) | |
|---|---|---|---|
| Monthly payment | Higher | Lower (balloon deferred) | Depends on matched lender |
| End of term | You own the van outright | Pay balloon, hand back, or refinance | Depends on matched product |
| Best for | Keeping the van long-term | Lower monthly cost, flexibility | Comparing multiple offers at once |
| Mileage limits | None | Usually capped | Depends on matched product |
| Ownership during term | Finance company | Finance company | Depends on matched product |
Model a real HP or PCP quote using the rates above before you talk to any lender.
