Luton Van Finance

The Luton van is essentially the workhorse of the removals and courier sectors. With that large box body overhanging the cab and a tail lift on the back, it gives you the ability to shift a three-bedroom house in a single trip. They are incredibly useful vehicles, and most removals companies simply could not operate without them.

They can be slightly more complex to finance than a standard panel van, mainly for two reasons. First, the box body is a conversion sitting on a base vehicle, and lenders often treat conversions differently. Second, they are frequently bought used and a bit older, which some mainstream lenders might push back on.

However, neither of these points is a deal-breaker. You just need to work with a broker who knows exactly which lenders are set up to handle them.

What we arrange finance for

• Standard Luton box vans with and without tail lifts
• High-roof Luton variants for volume-sensitive loads
• New Luton vans from franchised dealers
• Used Luton vans from independent dealers and auctions
• Luton vans with electric tail lifts and specialist loading equipment
• Small fleet Luton purchases for removals and logistics businesses

Makes we regularly finance

Ford Transit Luton, Mercedes-Benz Sprinter Luton, Vauxhall Movano Luton, Renault Master Luton, Peugeot Boxer Luton, Citroën Relay Luton, Fiat Ducato Luton. Most major Luton body converters are accepted by our lending panel. We will confirm before submitting.

The tail lift question

Almost every removals operator we speak to wants a tail lift, and the vast majority of Luton van enquiries we receive include one. The good news is that most lenders are happy to finance the tail lift as part of the overall package. The main thing to keep in mind is that it needs to have been fitted by a reputable converter, and ideally, it should have its own service records. A tail lift that has been poorly maintained or retrofitted without proper documentation can sometimes slow the application process down.

New or used

Financing new Luton vans is usually very straightforward for established businesses. However, used vehicles are where the majority of our enquiries sit. Most lenders will consider used Lutons up to around eight to ten years old by the end of the finance term. Condition really does matter here. A Luton that has spent years doing heavy house clearances and clearly shows it will be assessed differently compared to one that has been on a single, clean courier contract.

Finance products available

Hire purchase is by far the most common option we see. It offers fixed monthly payments and you own the vehicle at the end of the agreement. Finance lease is also available if you would prefer lower monthly payments and don't necessarily need to own the vehicle when the term finishes. For removals businesses running multiple vehicles, we can sometimes arrange funding facilities that cover more than one asset at a time. Just give us a call to discuss if that sounds like it might fit your situation (or read about hire purchase vs finance lease).

Who can apply

We can arrange finance for limited companies looking to borrow from £10,000 upwards, and for sole traders from £25,000 on unregulated credit agreements. We regularly work with removals companies, courier businesses, furniture retailers, event hire companies, and pretty much any other operation that relies on Luton vans to get the job done day to day.

If you are just starting a new limited company or a fresh business venture, getting finance for a Luton van is still very achievable. We frequently help startups secure the funding they need, even if they don't have years of trading history behind them. We will look closely at the director's credit profile and any relevant industry experience to help build a strong case for the lenders. If you have some adverse credit history, don't let that stop you from applying—visit our bad credit van finance page to learn more. Feel free to visit our new business van finance page to see exactly how we can help you get moving.