Penalty points don't usually stop you getting van finance — but they can affect which lenders will consider you and the rate you're offered.
Most mainstream and specialist van finance lenders focus primarily on your credit history and affordability — not your driving record — because the finance is a credit agreement, not a motor insurance policy. That said, a very high points total (nearing the 12-point disqualification threshold) or a recent driving ban can be treated as an adverse marker by some underwriters, particularly if you'll be driving for work.
Use the free, official “View your driving licence” service on GOV.UK to see your exact current points, expiry dates and any endorsements — this tool is for general guidance only and isn't a substitute for that record.
