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Rates from 9.9% APR. Representative APR 24.9%. The exact rate you will be offered will be based on your circumstances, subject to status. Total Car Finance is a credit broker, not a lender.

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Rates from 9.9% APR: The exact rate you will be offered will be based on your circumstances, subject to status. Representative example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 24.9% an annual interest rate of 24.9% (Fixed) and a deposit of £0.00, the amount payable would be £238.10 per calendar month, with a total cost of credit of £3,928.80 and a total amount payable of £11,428.80. Rates may differ as they are dependent on individual circumstances.

Types of Van Finance Options

When financing your next vehicle, several options are available, each with its own benefits. At Total Car Finance, we offer three main types of van finance:

Hire Purchase (HP)

Hire Purchase is a car finance agreement where you pay a deposit (usually around 10%) followed by fixed monthly payments over an agreed term (typically 1–5 years). Once the final payment is made, you own the car outright.

ADVANTAGES

  • Simple, straightforward structure.
  • Fixed interest and monthly payments make budgeting easier.
  • You’ll own the car at the end of the term.

DISADVANTAGES

  • Monthly payments are usually higher than PCP.
  • You don’t own the car until the final payment is made.
  • May require a larger initial deposit.

Personal Contract Purchase (PCP)

PCP is a flexible car finance option. You pay a deposit and lower monthly payments compared to HP. At the end of the agreement, you can either pay a final “balloon” payment to own the car, return it, or part-exchange it for a new one.

ADVANTAGES

  • Lower monthly payments than HP.
  • Flexibility at the end of the agreement.
  • Ideal for those who like to change cars every few years.

DISADVANTAGES

  • You don’t automatically own the car.
  • Balloon payment can be large if you choose to buy.
  • Mileage and condition limits apply—extra fees if exceeded.

Personal Loan

A personal loan is an unsecured loan from a bank or lender that you can use to buy a car outright. You’ll own the vehicle immediately and repay the loan over time, usually with fixed interest.

ADVANTAGES

  • You own the car from day one.
  • No mileage or wear-and-tear restrictions.
  • Competitive interest rates available.

DISADVANTAGES

  • You’re responsible for the car’s resale value and depreciation.

Calculate Monthly Payments

Find out how much you could borrow

£

Pay It Back Over 24 Months

Your Estimated Credit Score is Good

Representative APR%
11% APR
You Could Borrow
£10,577
Total Cost of Credit
£1,423
Total Repayment
£12,000
24 Monthly Payments of £500

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Finance Your Next Van In 3 Steps

1.

Complete Our Short Form

It takes less than 2 minutes to do and won't hurt your credit score!

2.

Get Your Tailored Quote

We work with lenders who specialise in finding flexible auto loans to suit your needs.

3.

Choose Your Van

Once you have your offer, head over to a reputable dealer and choose your van.

FAQ'S

Car finance allows you to spread the cost of a vehicle over a fixed term. Instead of paying the full price upfront, you can choose from several financing options like Personal Contract Purchase (PCP), Hire Purchase (HP), or Leasing. With car finance, you can access a new or used car while managing your budget.

We accept loan enquiries between £2,000 and £40,000. The amount you can borrow depends on your credit rating, income, and other factors like the car's value. Typically, lenders offer an amount based on what you can afford to repay. We will help you find the right finance option that fits your budget and ensures you don’t borrow more than you can manage.

Personal Contract Purchase (PCP) typically offers lower monthly payments and the option to either buy the car at the end of the term, return it, or trade it in for a new car. Hire Purchase (HP) involves higher monthly payments but means you’ll own the car outright once the term ends.

Yes! At Autodosh, we work with a wide range of lenders and providers who consider all types of credit histories. You can still get a competitive deal even if you’ve had past credit issues.

Any More Questions?

To Give You Total Peace of Mind

At Total Car Finance we specialise in helping you find competitive low-APR car finance options in the UK. Our goal is to secure affordable and flexible van finance deals tailored to your budget and needs.

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Financial Conduct Authority registered

Total Car Finance is a trading style of MediaBlanket Ltd, who is authorised and regulated by the Financial Conduct Authority. FCA Reference Number: 723605

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We are GDPR compliant

We fully comply with UK data protection laws, specifically our responsibility to our customers under the GDPR.

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We are registered

We are registered with the Information Commissioner's Office (ICO) under number ZB05362.6