• Finance Lease
  • Hire Purchase
  • Contract Hire
  • Lease Purchase

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Finance Options

Finance Lease is the most popular finance agreement for business users and commercial vehicles. Many people still think, incorrectly, that it is the expensive option.

On a Finance Lease agreement, you can choose to pay either the entire cost of the vehicle, including interest charges, over an agreed lease period or opt to pay lower monthly rentals
(with a final payment based on the anticipated resale value of the vehicle.)

  • Every single payment 100% tax deductible
  • Low Deposit - Minimum equivalent of just three monthly payments up front
  • Fixed Monthly Rental
  • Possibility of larger end payment, to further reduce monthly payment
  • No mileage or damage restrictions
  • At end of term, either sell vehicle and keep 99% of profit, or extend the lease at just £8.33 PER YEAR

This kind of Cheap Van Leasing is not available to private individuals, but is the preferred alternative to hire purchase, cash or loans, and the best choice for Partnerships, Limited Companies, Self Employed & Sole Traders due to the significant tax advantages, which is why we find that the majority of accountants will advise their clients to take the Finance Lease route, over and above the cash, loan or hire purchase options wherever possible.

How Does It Work?

At the start of the Finance Lease Contract, monthly payments and interest rates are fixed for the duration of the contract.

With a Finance Lease agreement, you can benefit from fixed monthly costs. At the end of the contract, the customer can then choose to operate the vehicle under a "peppercorn agreement" but at no time will take ownership of the asset.

Example, Your Business Ltd takes out a Finance Lease agreement on a Nissan Primastar. The business pays a deposit for the vehicle, then a choice is made to spread the remaining balance over the remaining period, or, to defer a larger 'residual value payment' at the end of the contract.

100% tax deductible if you are a Partnership

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Ltd Company or a Sole Trader on all finance options.

Cheap Finance

We are also totally independent of all finance houses.

Many of the main dealers have agreements with big players in the finance world to offer them all of their business in order to achieve a large bonus at the end of the year. This is not always in the customer's best interest, as other finance houses may be able to offer the customer a cheaper rate.

Vans Express have a wide range of finance houses available which we compare to get the best rates, so you can rest assured that we will always opt for the finance house who is able to offer our customers the very best deal at the time. This is one of the main advantages of obtaining a cheap vehicle leasing agreement with us.

Alternative Financing

Hire Purchase

  • 100% tax relief on interest charges
  • Fixed monthly rental
  • Terms from 12 to 60 months
  • No VAT added to the monthly payments
  • Vehicle offsets against taxable profits
  • No mileage or damage restrictions
  • Own the vehicle outright at the end of the term

Contract Hire

  • 100% tax deductible
  • Fixed monthly rental
  • Terms from 12 to 60 months
  • Low deposit
  • Customer not at risk if the vehicle depreciates
  • Maintenance Package available
  • Hand vehicle back at the end of the contract

Lease Purchase

  • 100% tax relief on interest charges
  • Fixed monthly rental
  • Terms from 12 to 60 months
  • No VAT added to monthly payments
  • Vehicle offset against taxable profits
  • Possibility of a final balloon payment, to further reduce monthly payment
  • No mileage or damage restrictions
  • Own the vehicle outright at the end of the term
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