A settled work van, all credit welcome
Long-term van hire with bad credit
Yes — a trade or business can hire a van long-term, typically 12 to 36 months, even with poor or adverse credit. It gives you a settled work vehicle and a competitive monthly without the multi-year finance commitment that a bad credit file usually blocks. It is judged on affordability, and getting a quote involves no credit check.
Check van options →Updated August 2026
A working van is not a short-term want — most trades need one settled for the long haul. But that is precisely where credit history bites: long van finance and contract hire underwrite the vehicle over years and lean hard on both your file and the business's accounts. Long-term hire keeps the settled commitment and the lower monthly, but assesses affordability rather than history — so a default, CCJ or short trading record is far less likely to stop you.
A long commitment without the finance hurdle
Over 24 or 36 months you still get the certainty and keen monthly of a long term, but because it is a hire rather than credit for the van's full value, the bar is affordability now — not a clean multi-year credit profile. That is why a trade turned down for van finance is often approved for a long hire. If you need less time, our shorter bad-credit van hire covers it.
Built for sole traders and growing firms
You do not need years of filed accounts. The self-employed and newer businesses can evidence affordability with bank statements, invoices or the director's position. One van or a small fleet, we match you to a partner who works with your credit situation and your line of work.
Predictable, and easy to plan around
Costs are shown per month so they drop straight into a cash-flow forecast, there is no balloon payment at the end, and you simply hand the van back or move to the next one. Ready to see what fits? Tell us what you need — no credit check, no obligation.
Facts & figures
The bigger picture
Source: FCA Financial Lives 2024, 2024
Source: DVLA / GOV.UK, 2025
Source: Finance & Leasing Association, 2025
Check your options in 60 seconds
No credit check to get a quote, and no obligation. Tell us what you need and the right partner is usually in touch the same working day.
- ✓ No credit check to quote
- ✓ Free & no obligation
- ✓ Flexible 6–36 months
Enquiry saved — but you’re not done yet.
An enquiry isn’t an application. We can’t confirm a vehicle, a price or a delivery date until your application is in — so this is the step that actually gets you on the road.
Next step · about 5 minutes
Complete your application to get a vehicle fast
It’s pre-filled from your answers, only your latest bank statement is needed to submit, and it still never touches your credit score.
Continue to my application →No credit check · No obligation · ~5 minutes
Leave it for now and a partner may still be in touch — but you’ll get real options faster by finishing your application.
Common questions
Can a business with adverse credit hire a van long-term?
Often, yes. Because it is a rental rather than finance, a long hire is far more achievable than long-term van finance would be. The supplier looks at current affordability and makes the final decision.
Do I need business accounts?
Not necessarily. Sole traders and new businesses can evidence affordability with bank statements or invoices; the partner confirms what they need.
How long can I hire the van for?
Typically up to around 36 months, with flexible shorter terms available too.
Is there a credit check to get a quote?
No. Any check is run later by the supplier, with your permission, and is typically lighter than finance underwriting.