We are currently experiencing technical issues with our phone lines. Please call 07384 546949 for any enquiries.

Free Next Day Delivery available. Speak to us today to find out more


Its easier than you think

Get a quote in minutes

Here at Vans 365, we provide a transparent and trustworthy finance service to all our customers. Our specialists work with you closely to establish the best financial solution for you and your circumstances, and partner with handpicked vehicle finance providers to make your van purchase affordable, simple and clear. Our panel of lenders will use a combination of your credit profile and the balance you are funding to determine the best available offer to suit you. We may receive a commission for introducing you to our lenders but this will not affect your offer in any way.

Hire Purchase is one of the easiest ways to buy a vehicle outright and match the payments to your budget.

How does hire purchase work?

A straightforward way to pay for your Van. You make an initial payment or use our 0% deposit option, then the balance is spread equally over a select number of years helping you to select instalments that match your budget. At the end of the agreement, once you have made all the payments you own your vehicle.

Voluntary termination

Voluntary termination, also referred to as the Half Rule, allows a customer to terminate the agreement & hand the vehicle back to the lender. To do this, half of the total amount repayable in the agreement must have been paid. This is the full price of the van plus the total interest in charges & fees. The vehicle must be in a reasonable condition for its age and mileage & any arrears will also have to be paid.

Early Settlement

A HP agreement can be settled at any time by the customer by paying the balance of finance outstanding and Option to Purchase fee to the lender. The lender may allow the customer a rebate of the interest if the outstanding finance balance is settled before the agreement end date. If it is a HP agreement regulated by the FCA, then the minimum amount of rebate will be set out in the FCA's rules. You can make additional payments & receive a corresponding reduction in interest.

End of the agreement

At the end of a HP agreement, once all the contracted payments have been made, the customer will usually pay the Option to Purchase fee and take the legal title to the goods. However, this is a true option. The customer could return the vehicle to the finance company.

Pros of hire purchase
Flexible repayment terms to help fit in with your monthly budget.
Relatively low or even 0% deposit required (normally 10% of the van’s price).
Fixed interest rates so you know exactly what you’re paying every month for the length of the term.

Once you’ve finish your repayments, you own your vehicle.
If you’re credit score is not that high it may be easier to get a hire purchase than an unsecured loan, as the vehicle is used as collateral for the loan.
It does not come with mileage restrictions.

You can pay a bigger deposit, meaning you borrow less. Or you can spread repayments over a longer period. However, doing this means you will pay more interest, so consider whether it's worth it.

If you miss a payment, it's likely the lender will contact you to see if you just 'forgot'. If you keep missing payments, it'll mark you 'in default'. Once this happens, it'll quite quickly take the car, as to leave it with you while it chases payments risks the van depreciating in value.

You can do this at any time. Unlike a standard personal loan, an HP doesn't have any fees if you want to pay off the entire loan early. Contact your lender and ask what the best way to do this is.

When you apply, the lender will do a credit check to decide whether to lend to you, and this check will appear on your file as an application for credit. Credit checks for HP aren't usually as stringent as those for personal loans. This is because the HP finance is secured on the van – if you don't pay, they can just come and repossess the car, whereas for loans there's no security, so they'd need to chase you through the courts.

The Financial Conduct Authority

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. We work with them to help you to use this information to decide if our services are right for you.

Treating Customers Fairly

Our business is committed to treating our customers fairly and ensuring our products and services are suitable for their needs. Treating Customers Fairly (TCF) is a core part of our culture and philosophy and as such we offer everybody the same opportunities to fund and protect their purchases. Doing this allows you and everyone else to make fully informed decisions as required by the FCA.

Whose Products do we offer?

We can introduce you to a panel of lenders who, from our experience, we believe may be able to finance your purchase. We will only introduce you to these lenders because we are comfortable that their procedures and the way that they treat our mutual customers protects both us and you.

Other Finance Facilities

You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations and details of their products by researching on the high street, in the media and online. We are confident that our lenders offer competitive and responsible lending agreements.

What will you have to pay for this service?

You will not make any payment to us for any introductions we make to finance providers regarding finance facilities to fund your purchase. As is the case with any such transaction, we may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You can request us to disclose the amount of any commission received from a lender at any time.

Who regulates us?

Vans 365 Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 772837 and our address is Staunton Lane, Whitchurch, Bristol, BS140QL.

Understanding our products and documents

If you have any health issues, difficulty in understanding information or there any recent life events that could affect your ability to fully understand the information and documentation you are presented with or what your commitments are under the agreement, you should carefully consider the amount of time you require to review the documentation. You should also consider if it is advisable for you to have someone you know, help you make your decision. Please advise us accordingly if this is the case and we can then proceed with your requirements in the most appropriate way. You should make sure you have sufficient time to assess the information given to ensure the funding option offered is suitable for you and meets your requirements. You should seek further explanations and ask questions if needed to fully understand all of the documents you are given.


You should assess the monthly payments you are required to make throughout the agreement and ensure that you are able to meet these obligations, and other obligations you already have, without suffering undue hardship. If you are aware of any future events that will affect your ability to meet these payments, you should ensure the provider is informed immediately. Your credit rating could be adversely affected if you do not make payments when due, which could make it harder or more expensive for you to access finance facilities in the future.

Mechanical Breakdown Cover

Every vehicle we sell benefits from a basic 3 month or 3,000 miles, Level1 plan, which covers parts listed in the policy up to £1,000. At additional cost we are happy to provide a choice of Levels 2 and 3 protection plans, to suit you and your vehicle, details of which will be provided separately.

What to do if you have a complaint

Write to us by post at Staunton Lane, Whitchurch, Bristol, BS140QL or by email: [email protected]

Throughout the process of administering services for you we will need to collect personal information from you and pass this information to one or more third party organisations in order for them to supply any services you request. This may include passing this information to one or more potential lenders or credit brokers to enable them to make a credit decision. These lenders may use your information to conduct an affordability and credit worthiness assessment and will do so using the consent given by you.

This may include sharing your information with credit reference agencies and other companies for use in credit decisions and fraud prevention. For full details of where your information will be sent, and the purpose for doing so, or to cancel your consent for the processing of your personal data, please contact us.

In cases where your initial application may be refused by the most suitable lender, your application may be referred to other lenders or credit brokers who may also share information with credit reference agencies in order to assess your application for finance. Those lenders or credit brokers will not use your personal information to provide you with promotional or marketing material, unless you opt-in to receive this material directly with them.

A copy of our privacy policy, which details how your information will be processed and your rights, is freely available upon request by contacting us in at Staunton Lane, Whitchurch, Bristol, BS140QL, by telephone on 0117 214 0321 or by email to [email protected]

Let us help you find your perfect van

Don’t delay your search, find your perfect van today.