What is Van Finance Lease?

You can lease a van with a finance lease contract, which is an agreement between you and a finance company; this agreement allows you to use the vehicle but does not grant ownership of it. You would pay a fixed price each month for an agreed period – at the end of the contract you have a number of options; sell the vehicle and pay off any outstanding payments, keeping whatever profit you make, enter in to a secondary period and make payments for that period or finally, re-finance the terminal/final/balloon payment. This is a flexible way of financing your vehicle.



You will pay an initial rental or deposit at the start of a lease, which could be the equivalent of 1 – 12 months rental in advance, plus the VAT. The lease repayment period is usually between periods of 24 to 60 months. The VAT is paid monthly, then claimed back quarterly (if VAT registered).


Things to know

This type of lease is best for non-VAT registered business users looking for a low initial deposit and maximum flexibility. No mileage or damage charges are incurred at end of the contract. You can opt for a ‘balloon payment’, which means a lower monthly rental fee, but a large payment at the end of the contract. Rentals are 100% allowable against taxable profits with no private use. Vehicle sold or part-exchanged at end of the contract with the hirer keeping between 95-100% of the sale proceeds (ex. VAT) depending on finance company.

Van Finance Lease Pro’s and Con’s


Fixed Term Agreement, Great For Budgeting.


Flexible Low Deposit.


You Can Defer A Lump Sum Payment To The End Of The Agreement.


No Fixed Annual Mileage Requirement.


Not Liable For Vehicle Damage.


Fixed Term Agreement.


Early Termination Penalty.


On Balance Sheet Finance.


You Must Pay The Final Payment Or Re-Finance It.


You Must Sell The Vehicle At The End Of The Term.

Why Crusader Vans?

Crusader Vans have supplied over 8000 vehicles to customers nationwide, we also have developed strong relationships with some of the UK’s best-known manufacturers – meaning that you can take your vehicle most places for servicing and repairs.

We have an experienced dedicated team that will keep you up-to-date on any changes on legislation and best practices, we can supply you with a wide range of vehicles from panel vans, tippers, Luton vans and double cabs to refrigerated vehicles. At Crusader Vans you can be assured that your interests take priority to us so if you have any questions contact us at 01825 573 774 email: [email protected]

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